vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I have been going back and forth with USAA about this credit card debt since XXXX of XXXX. I originally mailed them documents ( Validation of Debt ) requesting them to provide evidence/proof of the original lawful contract signed in wet ink by both parties, myself and USAA FEDERAL SAVINGS BANK XXXX Up until this point, they have never been able to do this. I have sent many other documents to include an Affidavit of Truth stating violations from USAA FEDERAL SAVINGS BANK, I had submitted a CFPB complaint back in XXXX of XXXX, mailed an Affidavit of Non-compliance, Affidavit of Service, Notice of Fault, and my most recent correspondence was mailing a Notice of Default and Consent to Judgment. All of these documents have been certified mailed and received by USAA FEDERAL SAVINGS BANK and stand unrebutted in law. To date, I have yet to receive any type of proof/evidence of the lawful contract that proves I am obligated to pay the debt associated with this account. In my previous CFPB complaint, USAA FEDERAL SAVINGS BANK stated that verification of debt was sent to you on XX/XX/XXXX. The letter referenced in this statement was simply a copy of an account statement and did not provide/include any sort of LAWFUL contract. USAA FEDERAL SAVINGS BANK also stated within their reply that we confirmed the PII provided on your account application matched your data in consumer and credit databases, account transactions occurred within your geographic location, and regular payments were made from your USAA FSB deposit account. This statement along with the rest of the reply from my original CFPB complaint never stated or confirmed that they were ever able to provide to me the original, lawful contract. A lawful contract consists of 5 things : A valid offer, adequate consideration, valid acceptance, sound mind/Mental clarity, and a Meeting of the Minds along with a wet ink signature. USAA FEDERAL SAVINGS BANK continues to not and has not been able to provide any sort of document, piece of paper, that is inclusive of the 5 parts I just previously listed. A lawful contract does not even exist between USAA FEDERAL SAVINGS BANK and I because they never provided adequate consideration, as they were unable to provide anything of value because they have no lawful money in their bank/on their ledger. There was also no Meeting of the Minds and wet ink signature as I never met with the CEO of USAA FEDERAL SAVINGS BANK and signed an actual piece of paper/contract. Since USAA FEDERAL SAVINGS BANK has been unable to provide the original lawful contract, they are NOT the holder in due course and is not owed anything. 
I continue to dispute this account as well and USAA FEDERAL SAVINGS BANK continues to report the account to the credit bureaus as delinquent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXXccount XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, XXXX ( XXXX yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, 2021 ( XXXX yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, 2021 ( 1 yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: NC

Complaint narrative:
n accordance with The Fair Credit Reporting XXXX  Account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the got to privacy 15 U.S.C 1681 section 604 A. states section 2 : It also states a consumer reporting agency can not furnish am account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I was not aware debt was owed because the company & collector had the wrong address. No phone calls were made to me about the debt either. 

As soon as I noticed it on my credit report, I called the collector, paid the balance in full and they agreed to delete it from all credit bureaus. 

See the latter attached dated XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
under complaint # XXXX XXXXcomenity bank stated to c.f.p.b. that the accounts reporting to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$330.00} and # XXXX $ XXXX to be closed with non- monetary relief.The accounts remains to report, as of this date, this company was given extra time to take care of this matter, on XX/XX/XXXX XXXXthose are federal law forgiven debts and needs to be removed comenity bank need to be reminded of it respond of XXXX.or be sent to enforcement.sent by certified mail # XXXX, which includes 2 reports from XXXX XXXX, before the complaints and after the reporting of the above accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried multiple times to have my personal information updated to show the correct address where I can be reached. I sent both written requests as well as called Experian and XXXX to have this issue corrected and both credit bureaus are still reporting outdated addresses on my credit reports. 

Please see attachments of my current request as well as a copy of the written requests that I sent previously via USPS certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: AE

Complaint narrative:
RE : XXXX - XXXX recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Equifax written instructions to furnish this information on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}

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 non-monetary relief
Consumer complaint received 2022-06-25 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:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NC

Complaint narrative:
n accordance with The Fair Credit Reporting XXXX  Account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the got to privacy 15 U.S.C 1681 section 604 A. states section 2 : It also states a consumer reporting agency can not furnish am account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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:
n accordance with The Fair Credit Reporting XXXX  Account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the got to privacy 15 U.S.C 1681 section 604 A. states section 2 : It also states a consumer reporting agency can not furnish am account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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 has a collections account on my report that was paid off in XXXX of 2022 but is showing as still unpaid on my credit report. I have filed multiple online disputes with them after which they responded and said the account is reporting accurately. I finally called and spoke with someone at the company and he said it was their fault and they would need to remove it, so he opened another despite for this issue and yet as of XX/XX/XXXX there is still no resolution as this account is still showing as unpaid on my credit report. I need this account removed immediately because it is negatively affecting my ability to get necessary credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}

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 2022-06-25 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: WI

Complaint narrative:
I have tried Contacting Experien to remove these fraudulent inquires in my report there on the dates as follows XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX  on XX/XX/XXXX and XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX these need to be removed due to the FCRA as I Have no knowledge of these inquires and they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
According to the FCRA 15USC 1681 I have not give anyone my written instructions to put negative items and debt 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 2022-06-25 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: FL

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
According to the FCRA 15USC 1681 I have not give anyone my written instructions to put negative items and debt 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 non-monetary relief
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
According to the FCRA 15USC 1681 I have not give anyone my written instructions to put negative items and debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NJ

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. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
DEBT RECOVERY SOLUTIONS Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account Balance : {$1100.00} Consumer Statement : Placed for collection This company has been harassing me by telephone and contacting family members about a debt that has already been placed on my credit by 2 other Collection agencies.. Every XXXX months they submit a new hit to my credit and act as if the account is new the account is a old account at least 6+ years and they keep hitting my credit with the same old bill and it has already been submitted and attached to my credit report. they will not remove it i have tried to dispute it due to already being on my report and they will not listen they just keep submitting it as a new debt multiple times causing my credit score to crash XXXX pts each time for same bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
XXXX XXXX, my payroll debit card was compromised and {$100.00} was taken out of a XXXX ATM machine inside a XXXX XXXX XXXX XXXX in XXXX Texas XXXX 
I've contacted police department by phone in XXXX and as a result, no report can be made since it's not criminal according to the police. Fraud is criminal correct? Please follow up with me to see about further reporting and catching this culprit. 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