vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters to the three big credit bureaus XXXX, XXXX, and TransUnion on XX/XX/2022 about five items in my credit report ( letter attached ) and these are the tracking numbers : XXXX : XXXX XXXX : XXXX TransUnion : XXXX I got my results from XXXX and TransUnion removing some items but failed to meet my request of showing proof of validation on ones they didn't as mentioned in the letter that I sent them. XXXX removed some items but failed to notify me about the verification and did not send me a 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 2022-06-14 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # # # # # # # # # # # # # # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has removed 4 accounts that are in great standing and refuse to correct the issue. They continue to blame it on the creditor which is XXXX XXXX saying its their fault but its not because I spoke with them and they have not requested for those 4 accounts to be removed!! This bureau is horrible and refuse to do the right thing because is holding them accountable. Those 4 accounts are still on XXXX  and XXXX and they are also in great standing. This is a violation of the Fair Credit Reporting Act and need to be corrected.

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 2022-06-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Sent letters to all three Credit bureaus Trans Union, XXXX, and XXXX. 
The accounts came back as verified. These are not my accounts.

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 2022-06-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 1XXXX ACCT XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX -- -- -- XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} - - - XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX & XXXX XXXX {$190.00} - - - XXXX XXXX & XXXX XXXX XXXX {$7300.00} - - XXXX XXXX XXXX XXXX {$780.00} - - - XXXX  XXXX XXXX XXXX {$850.00} XXXX XXXXXXXX {$260.00} 15USC 1681 SECTION 602 A. States I have the right to privacy 15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: OH

Complaint narrative:
Accordance with the fair Credit Reporting Act XXXX account # XXXX, # XXXX, # XXXX, # 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C s 1692b-4 : not communicate by post card ; 15 U.S.C s 1692b-1 : identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer 15 U.S.C s 1692b-2 : not state that such consumer owes any debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: OH

Complaint narrative:
Accordance with the fair Credit Reporting Act XXXX account # XXXX, # XXXX, # XXXX, # 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C s 1692b-4 : not communicate by post card ; 15 U.S.C s 1692b-1 : identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer 15 U.S.C s 1692b-2 : not state that such consumer owes any debt ;

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 2022-06-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name and account numbers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX  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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name and account numbers 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 XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX 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

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 2022-06-14 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  accounXXXX XXXXt account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602A.States I have the right to privacy.

15 U.S.C 1681 Section 604A 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 2022-06-14 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  account XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602A.States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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 2022-06-14 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions

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 2022-06-14 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: VA

Complaint narrative:
in accordance with fair credit reporting act XXXX  reference number 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 instruct.ion

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 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
On XX/XX/2020 I performed a medical exam at the XXXX XXXX XXXX XXXX which is located at the XXXX XXXX XXXX XXXX in XXXX, PA. At the time I paid the full cost of the exam in the amount of US {$910.00}. After approximately a month I received a letter from the company XXXX Collections charging me again the amount I had already paid and I got in touch by phone and informed that the amount had already been paid at the time of the exam. A few months later I received a call from a company called Radius Global, saying that they would be responsible for charging the same debit. Again I informed that the value of the medical examination had been paid by me directly at the time of the examination and I was asked to send a copy of the receipt, which was done. However, on today 's date, when consulting my credit score, I found that the alleged debt is in my history, which makes my score low and brings me serious losses.

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 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I USED PAYPAL CREDIT TO SEND XXXX TO AGENT IN XXXX, I SENT XXXX MESSAGES TO AGENT FOR REFUND, I NEVER HEARD BACK FREOM AGENT, I FILED COMPLAINT WITH PAYPAL CREDIT FOR REFUND, AND FILING HERE ALSO, THE MONEY WAS GIVEN TO PERSON, I SENT IT TO AFTER I ASKED FOR REFUND FROM AGENT, THE AGENT GOT BACK THE MONEY FROM PERSON, BECAUSE I ASKED FOR REFUND, AND HAS NOT REFUNDED MY MONEY

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 monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
The facts stated here are true, correct and complete. Also there is no 3rd party only me. I've tried several time to get chrysler Capital to validate this debt. I'm a consumer and I know my rights. Chrysler capital may not use unfair or unconscionable means to collect any debt. Without limiting the general application of the forgoing, This kind of conduct has violations. The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Also enclosed are documents i send chrysler capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/2022, I sent a money transfer in the amount of {$1000.00} through Moneygram to a relative in XXXX. Moneygram debited the funds from my debit card within minutes. However, the receiver was not able to pick up the money. After contacting a Moneygram agent via phone they stated that the transaction was under the review and that they needed to talk to the receiver. I decided to send the money using another company. The next day XX/XX/2022, I called Moneygram to request a cancelation of the money transfer, the moneygram agent gave me the same generic information that the transaction was under review and that within 24 hours they would have a resolution. I called back a couple more times last week, and today Monday XX/XX/XXXX when I called in the afternoon, again the agent tells me that the transaction is under review and that in less than 24 hours they will have a resolution ( this is the 3rd or 4th time an agent has told me this ). It appears that this company is acting in bad faith and is deliberately refusing to process the cancellation of my money transfer and is sending me in circles and providing me with inaccurate information from what is listed on their website regarding their cancellation policy. I am filing this consumer complaint in order to obtain cancellation and refund of the money that Moneygram charged from my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I tried to call this company called XXXX XXXX XXXX, because I just now received a letter from them dated XX/XX/2022 with File Number XXXX XXXX XXXX PIN number XXXX for the amount of {$53.00}. The letter shows creditor being XXXX XXXX XXXX, and they offered a discounted amount of {$42.00} for me to pay. However I received a text from another company called Sequium with reference number XXXX there contact number is XXXX requesting money for this same alleged debt. Top level I now have on my credit report listed that I owe {$53.00} but it does not specify to who and my credit report went down terribly. 

I am requesting an official debt validation letter from each one of these companies. I want to get proof of sale with my signature that shows I in fact owe this alleged debt, and I want this collections remark to be officially removed unless they can provide me with signed bill of sale or alleged contract and to whom do I alleged owe this debt to but this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I tried to call this company called Credit Collections Services, because I just now received a letter from them dated XX/XX/2022 with File Number XXXX XXXX XXXX PIN number XXXX for the amount of {$53.00}. The letter shows creditor being XXXX XXXX XXXX, and they offered a discounted amount of {$42.00} for me to pay. However I received a text from another company called XXXX with reference number XXXX there contact number is XXXX requesting money for this same alleged debt. Top level I now have on my credit report listed that I owe {$53.00} but it does not specify to who and my credit report went down terribly. 

I am requesting an official debt validation letter from each one of these companies. I want to get proof of sale with my signature that shows I in fact owe this alleged debt, and I want this collections remark to be officially removed unless they can provide me with signed bill of sale or alleged contract and to whom do I alleged owe this debt to but this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy FCU credit inquiry on XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Fraudulent account was opened under my name, bank still has not closed account. SYNCB/Amazon. account opened XX/XX/22 fraudulently, credit frozen immediately by myself, notified bank same-day, have not received any followup from bank, refused to provide claim number or send followup paperwork. continued to mail card to house.

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 2022-06-14 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: GA

Complaint narrative:
I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : Dept EducationXXXX XXXX Account Number : XXXX Date Opened : XX/XX/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 2022-06-14 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: PA

Complaint narrative:
In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.

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