vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 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: GA

Complaint narrative:
The debt that XXXX XXXX XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX . The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the behalf of XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed 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 2020-11-08 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: GA

Complaint narrative:
The debt that XXXX XXXX  XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX  a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX  added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX XXXX The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX  regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the XXXX XXXX XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed 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 2020-11-08 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: AZ

Complaint narrative:
I went to XXXX, AZ XX/XX/XXXX. I was greeted by a salesman who told me that all trucks are {$5000.00} more due to Covid because I asked him why they were so expensive. He started to mention negative remarks about the other dealerships in the area. He then proceeded to explain that if he could get my personal information he could make a better deal with me. After viewing a few vehicles we went to his office and after getting my name, address, phone, he asked me for my Social Security number & Birthdate. I told him I didn't want my credit ran without writtin permission and he told me I would have to sign a paper authorizing that to be done. WE WERE VERY CLEAR! I didn't sign any authorization and walked across the street to XXXX where I found a vehicle that I liked. During the transaction, WITH MY PERMISSION, XXXX ran my credit Report and told me that XXXX had ran my credit 7 times through some type of " Clearing House ''. Because of so many Inquiries on my report XXXX XXXX XXXX has lowered my credit limit 50 % and now my credit worthiness has fallen from " Very Good '' to just " Good ''. This is all happening while I'm purchasing a Home and it's affecting my Home Loan and raising the rates. I spoke to the Principal Owner MrXXXX XXXX XXXX he was very mean to me and even threatened me. He didn't apologize nor did he offer to fix the mess. I sent a XXXX  complaint but he refuses to answer it. I reported it to XXXX but they won't inve6it nor will they help at all. This is corruption at best. I need you help. Attached you will find a email from Mr. XXXX admitting to the error with no apology or offer to help.

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 2020-11-08 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Response to previous complaint id XXXX. 
The ACH credit of {$19000.00} which bank referring on my account.someone used my bank checking account and routing number details to claim Massachusetts unemployment benefit payments without my authorization. I already give complain to Massachusetts unemployment. email address " XXXX, XXXX and XXXX ''. {$16000.00} wire transfer which happen on my account on XX/XX/2020 to XXXX XXXX XXXX  someone told me to do following Buyer details Buyer number XXXX, company name XXXX XXXX XXXX XXXX, person name : XXXX XXXX. 
I already give complain to XXXX XXXX to revert back the money. Email address " XXXX and XXXX '', investigation is going on from there side. 
There was total XXXX on my account, if citi bank reverted direct deposit of {$5300.00} to employer ( XXXX XXXX ) and left over money of XXXX which belongs to me and {$97.00} belongs to mass unemployment. someone used my account details and me to do this activity. I already give police complain to XXXX XXXX police department. 
I contacted my employer ( XXXX XXXX ) last month about citi bank reverted money ( {$5300.00} ). response i got that they never received the amount from citi bank. i will double check with my employer again. 
Note : I'm victim here, someone used me to do all this. I'm not gon na give up on this money. Its my money. 

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 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
On XX/XX/2020 I found that someone had hit my account with 46 transactions that were pending and I had no funds left in my account. I contacted Current Bank and told them about the transactions that were pending and was told that I would have to let them go through and then dispute. I did all that. Its almost {$1400.00} if my money thats been gone now for 90 days. I contact them several times about my dispute to be told Im still just going to have to wait, the dispute team is on it. I then ask again today to make sure that my money would be back in my account on the XXXX since it is their last day for a decision on this dispute and was told it may be longer now. Im done waiting on my money and feel that this bank has done nothing to return it. I have all information that they wanted which isnt much because I have no clue what XXXX even is, but I turned in my dispute paperwork promptly. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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:
On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, Transunion, XXXX  and XXXX  asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, Transunion and XXXX  have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that Transunion and XXXX would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.

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 2020-11-08 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:
On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, XXXX, Experian and XXXX asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, XXXX and Experian have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that XX/XX/XXXX and Experian would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.

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 2020-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: FL

Complaint narrative:
This was closed by Amerifinanancial close this complaint and did not explain why they close the complaint. Please advise of your action on this complaint so I can take further action if I need to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2020-11-08 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN

Complaint narrative:
When Stewart Zlimen & Jungers first contacted me they didnt send anything about the debt, I told them I am XXXX XXXX live on 112 % XXXX and have been having major issues with my health. I supplyed them with info about my ssdi and told them I have nothing of value. I also asked that they stop contacting me all together and asked them to provide what should have been sent within 5 days of contacting me. Thats the only response I wanted as I have been having major health issues and am on 11 medications and have been sick for 26 years. 
I also have XXXX and then the wife and I are home on a saturday and there is a knock at the door we opened the door to find a server serving me with a lawsuit, or what appeared to be. 
Again no information on where this came from I wrote a response as best I could with the info I had. This was not what I asked of them I asked that they not contact me. After the answer I then got more stuff asking me toi call and discovery. ' Thats when I told him I needed to get ahold of legal aid. 
I did and they informed me that this was no lawsuit nothing filed in the court in my county and it stated atempt to collect a debt. So after I told him what was going on and asked to not be contacted serves me with a fake lawsuit like legal aid said he was only harassing 's me me which I didnt need The name of his firm is not him and the people stewart no lawyer license same with the other 2. I am not even sure who it is that is contacting me and harassing me and my wife. The server made entry into a secured building without even buzzing us. I am not sure how he forced his way into the building. Debt collectors by order of the Governor XXXX were not to be collecting or trying to collect debt at this time. And a no garnish is still in place. My funds are not able to be taken anyhow. This debt is from XXXX. 
A junk debt buyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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:
On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, XXXX, Experian and XXXX asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, XXXX and Experian  have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that XXXX  and Experian would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.

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