vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: CA

Complaint narrative:
XX/XX/21 Sent a letter via certified mail to TransUnion and delivered on XX/XX/21. Tracking number XXXX. Letter stated rights being violated and ask to have personal information removed from consumer file. I put Transunion of notice about some inaccuracies on my consumer report. In my letter I asked for debt validation from multiple companies being furnished on my consumer report pursuant 15 USC 1692g under FDCPA. I also asked for these accounts to be deleted if no agreement with my wet ink signature could be produced. 

I have not given any person ( s ) my consent to furnish any of my private information. Therefore, the following accounts must be deleted from consumer my report. 

Fair Credit Reporting Act 15USC 1681b states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

My rights are protected under the FCRA.

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 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Please open attachment. American Express has violated my federal rights Pursuant to 15 usc 1602 ( p ) and 1602 ( n ). They have not responded to my communication or have done what Ive demanded of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-01-20 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: Continental Finance Company, LLC
State: DE

Complaint narrative:
I had fraud on my account in XXXX. In XXXX a new card was issued to me and the full balance was transferred to my new card. Then credits were provided for the fraudulent charges equal to about XXXX. In XXXX the charges were reissued to my card seems they didnt document the card was lost/stolen and not in my possession. In XXXX I received a letter that the charges were credited dispute was resolved in my favor. I never received new credits after the rebill in XXXX. I have called this bank over 25 times spoken to mangers and mangers mangers. They all say they are submitting to the fraud department and I should see the credits within 2 days. Last time I called was about 20 days ago my account is overdrawn due to this my credit score has dropped over XXXX points due to this and I refuse to make another payment. They owe me the credits for the dispute being resolved in my favor. I also have an email for a XXXX who never answers supposedly he is working on mh case from day one. When I call the number on the letter from fraud department I get a voice mail no one calls 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 explanation
Consumer complaint received 2022-01-20 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I disputed an entry on my XXXX report. Originally I did not even recognize the entry because it was reported as a XXXX XXXX  card which I never had. I then noticed it was from XXXX XXXX XXXX and was an account they sold to Resurgent. I had paid off the account and had an agreement that the account would not be reported and removed from my credit report. I have a letter verifying this agreement. Initially XXXX stated they had proof this was my account and I submitted a dispute saying it was to be remove per the agreement with the creditor. I have submitted the attached letter twice and asked for this entry to be removed but XXXX, XXXX XXXX XXXX  and Resurgent refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NC

Complaint narrative:
YOU BROKE THE LAW!!! 

Dear Equifax, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing XXXX XXXX and XXXX XXXXXXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story. You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible.

Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you was not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 

ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: SC

Complaint narrative:
I Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and removed 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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
No matter how i try i am unable to get my Equifax report or access to their site. Even if I go through another credit site I can not get my report. I tried going directly to Equifax and calling numerous times but no human ever answers. I have used my original sign in that for some reason no longer works and tried numerous times to reset my password but was told to call a number to speak to someone. No one ever answers the phone, just recordings. 

I even went through a verification process and had them send me a code to my home address. It did not work and I could not reach a human being on the number they provided. 

The really annoying part is that I am one of those people who had their identity compromised by their security breach. I was promised years of free credit reporting and that was even before their major security breach in which I was suppose to receive more compensation. I realize that huge case has not been settled but I had one before that due to Equifax having multiple breaches. 

It is ridiculous that I am denied access to my credit file due to their negligence, they reneged on their compensation and no one at their company ever answers the phone. I have done everything I can to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
On XX/XX/2022 I engaged in a consumer credit transaction with Apple Card. Apple Card sent me a adverse action letter that violated my rights pursuant to ( 15 U.S.C. 1691-1691f ) that stated XXXX XXXX XXXX is still reporting a bankruptcy / derogatory public record on my consumer credit report. I have tried to dispute the accuracy of this matter with XXXX several times and the derogatory public record is still on my report. Due to the inaccurate credit reporting, XXXX is directly impairing the efficiency of the banking system pursuant to ( 15 USC 1681 ( a ) ) which is essential to the continued functioning of the banking system. XXXX have ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to ( 15 USC 1681 ( a ) ( 3 ) ) and have violated my right to privacy pursuant to ( 15 USC 1681 ( a ) ( 4 ) ). Please help me rectify this matter as XXXX have continued to diminish the value of my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AFNI INC.
State: CO

Complaint narrative:
On XXXX I sent a validation letter, on XX/XX/XXXX I received a response back stating that their " validation '' shows that the debt was mine. ( please see attached letter ) they provided me with something typed from their office, without any proof of this belonging to me. XX/XX/XXXX I sent a letter to basically tell them they failed at the validation and they needed to cease and desist with the collection unless they provided me with proof of contract, when the services occured, what the services were for, etc. on XX/XX/XXXX they responded with a letter stating this was a duplicate request. They are in violation of FDCPA, Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ). As well as failing to Cease and desist. Ive attached all correspondence from myself and AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-01-20 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: SC

Complaint narrative:
I Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: SC

Complaint narrative:
I Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and removed 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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I had internet through XXXX in XXXX, XXXX. In XXXX of XXXX I called and requested that my account be closed. I was informed of the amount owed and instructions for me to return my equipment. I paid my last bill in XX/XX/XXXX and returned the equipment which was a router. In XXXX of XXXX, after no communication, there was a collections placed on my credit report in the amount of {$290.00} in XX/XX/XXXX and a creditor called me. I didn't receive a letter 30 days prior as I had recently moved. I told them I was disputing the account because I returned the equipment in XX/XX/XXXX. They told to call XXXX to dispute it. I did and they opened a ticket to look for the equipment and review notes on the account. I disputed with XXXX and the amount was changed to {$300.00}. XXXX searched for the equipment and found it. They emailed me and called me letting me know but then stated I still owed a bill. They then changed the balance owed to {$98.00} on my credit report in XX/XX/XXXX. I have disputed again ; then in XX/XX/XXXX the balance changed to {$84.00}. How is it possible for this collection agency to report XXXX erroneous amounts to my credit report? The equipment was found and my last bill was paid.

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 2022-01-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, XXXX XXXX XXXX incorrectly reported that my student loans were in default. In XXXX I began the process of pre approval for a house, during this time I contacted Experian to correct my credit reports to remove the dispute status on my student loan. The problem was corrected at first but then due to repeat negligence with Experian the dispute charges remain on my report although the issue had been rectified with XXXX XXXXXXXX XXXX. After 7 months my credit score has not rebounded due to Experian being unwilling to report the proper information on my credit report. At this point I feel I need to pursue legal counsel, as this is delaying me being able to get a house. As a consumer I should not be at the mercy of a non governmental agency.

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 2022-01-20 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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my XXXX  In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX N/A XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL 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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield collected payment from me when the collection was deleted from my credit report. I asked for a refund and they refused to send me a refund. A representative from Hunter Warfield informed me that they sent a notification to delete the items from my report but that was not true. There is also no written record of this. I sent a dispute to XXXX and after the investigation, XXXX delete HHunter Warfield from my credit report. I am requesting a refund for the amount of {$1100.00} that was paid on XX/XX/2018.

Company response to consumer: Closed with explanation