vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: NV

Complaint narrative:
XXXX XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.

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 2023-02-13 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: GA

Complaint narrative:
XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. XXXX notified me " XXXX XXXXXXXX XXXX-UPDATED. '' Errors still exist on my credit report when I never had any creditor relationship with Original Creditor Name XXXX XXXX XXXX XXXX XXXX A nor XXXX XXXX XXXX XXXX I assert that XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  was ever my original creditor. XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX  as my original creditor because I never had any creditor relationship with XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX failed to produce any documented evidence of how LVNV FUNDING, a Type Derogatory, Collection, or a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX. LVNV FUNDING is listed on my credit report for a Collection balance owed for a debt to Original Creditor as XXXX CXXXX XXXX XXXX XXXX XXXX  Also known as XXXX XXXXXXXX BANK NA as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING remains in direct violation of The Fair Debt Collection Practices Act. Updated and modified information is inaccurate, incorrect, and false. Without establishing an Original Creditor Relationship and a Contractual Agreement containing my signature, it would be impossible to verify any such Type of Derogatory, open, closed, charge-off, default, collection, balance, or amount due, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: TN

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. 
XXXXXXXX XXXX XXXX  # XXXX 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 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 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 2023-02-13 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: TN

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. 
XXXXXXXX XXXX XXXX # XXXX XXXX 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 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 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 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
I spoke with the XXXX and XXXX in XXXX and requested information about repayment options to be sent via email. They confirmed my email address but never sent options. Instead they called and harassed multiple family members and called multiple times in order to contact me. When I requested the other numbers be removed from my account they did not honor the request and said they must keep those numbers on file and they are in their rights to call multiple times in the day and call multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: PA

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.

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 2023-02-13 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: CA

Complaint narrative:
I sending this complaint again to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.

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 2023-02-13 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: NV

Complaint narrative:
XXXX XXXX acct.  # XXXX is reporting incorrectly and a duplicate account. This continuous and ongoing violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.

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 2023-02-13 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: NV

Complaint narrative:
XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I submitted Complaint XXXX ( summarized below ). Citi provided a response. However, their suggested instructions did not resolve the issue and were in conflict with the information the customer care representatives had. 

Complaint XXXX : I have a Citi Double Cash credit card that I've had for several years and use Citi 's accompanying ThankYou Points. Initially, when Citi introduced their " Shop with Points '' option, I chose to link XXXX to my Shop with Points/ThankYou Rewards account. Now I would like to unenroll from Shop with Point and to remove XXXX from my ThankYou Rewards account. On the ThankYou Points website, it says, " To unlink an account, visit that partner website directly. '' I called XXXX XXXX XXXX on XX/XX/XXXX and the representative checked with her manager and then told me that neither of them had any information about this and suggested I call Citi. When I called Citi later on XX/XX/XXXX, I spoke with a representative and then his manager, who told me that there is no way to unlink my ThankYou Rewards and XXXX account apart from cancelling my ThankYou Rewards account completely. The manager told me that even if I were a brand new Citi customer and used my credit card at XXXX, my Citi ThankYou Rewards information would automatically be shared with XXXX and there is no way she or I can prevent that. 

I got a response from Citi on XX/XX/XXXX where they said, " As it states in the Citi ThankYou Rewards Terms & Conditions... if you were automatically enrolled or if you self-registered to Shop with Points, you would have received an email from that respective partner confirming the registration or enrollment and directions on how to de-enroll. '' This seemed like helpful information, so I found the email I received on XX/XX/XXXX that said my ThankYou Member Account had been linked with XXXX. In that email, there were no directions on how to de-enroll ( in direct contradiction to Citi 's CFPB response ). The only potentially useful information was the ThankYou Service Center phone number. I called the ThankYou Service Center on XX/XX/XXXX and ( like my call on XX/XX/XXXX ) the representative told me that there is no way to unlink my ThankYou Rewards and XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: NV

Complaint narrative:
XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax stupid system only scans dispute letters and assign automatic codes to generate AUTOMATIC RESPONSES to consumers and does not resolve the complaints!! 

This is a terrible process and not only it frustrates Americans who have to try over and over and pay out of pocket mailing expenses to fix an issue, most importantly, it causes NEGATIVE REPUTATIONAL AND FINANCIAL IMPACT to millions of American due hefty and completely unnecessary financial charges when Americans apply for credit with incorrect and subpart credit caused by these shady Credit Bureaus. 

A human does not partake in the dispute process thus even after XXXX dispute letters, Equifax keeps reporting my XXXX accounts as open however these accounts were sold/transferred to PFCP ( which already show on my report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: FL

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The total debt reported on my XXXX and Transunion credit report is showing as {$11000.00} and that is incorrect. The correct amount is {$8600.00}. This error has been on my record for months and I find this to be unacceptable that they are not keeping up with the correct updates like XXXX does.

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 2023-02-14 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: NY

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Hello this is XXXX XXXX Ive recently been hit with a collections account on my credit report from AMSHERCOLLECTIONSERVICES Ive disputed multiple time and it has not been taken off my Credit File Report, they are not reporting the correct information onto my File.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: NV

Complaint narrative:
XXXX XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.

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 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
An obsolete credit card account must be legally removed from my credit report. After over 7 years this obsolete and incorrect account remains on my credit report. Please remove the account permanently from my Experian credit report and do not publish it at any time in the future by penalty of Federal Law. Account ending 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