vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

15 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

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 the information is inaccurate.

15 USC 1681s-2 SECTION B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-10-07 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: Veros Credit, LLC
State: FL

Complaint narrative:
I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION.

15 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

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 the information is inaccurate.

15 USC 1681s-2 SECTION B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In Response to Complaint # XXXX. TRANSUNION IS straight lying and committing fraud. THEY ARE NOT DOING ANY REINVESTIGATING. SO WHO, I ASK WHO? IS VERIFYING THIS PUBLIC RECORD AS ACCURATE? WHOEVER THAT COMPANY IS NEEDS TO BE LISTED ON MY CONSUMER REPORT. I ATTACHED DOCUMENTATION THAT TRANSUNION OBVIOUSLY IS NOT READING BECAUSE YOU WILL SEE THAT THE ONLY ENTITIES LISTED ON MY CREDIT REPORT IN THE PUBLIC RECORDS SECTION SUBMITTED DOCUMENTS STATING THAT THE INFORMATION IS UNVERIFIABLE AND AND WAS DELETED OUT OF THEIR SYSTEMS. SO IF THIS RECORD IS BEING VERIFIED AS ACCURATE WHO IS DURING THE VERIFYING BECAUSE IT IS NOT ANY OF THE FURNISHERS LISTED ON MY CONSUMER REPORT. " After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Trans Unions business partner XXXX  to TRANS UNION as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX  XXXX Bankruptcy # XXXX filing. 
I declared and stated to Trans Union there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to TRANS UNION by their business partner XXXX  who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Trans Union or their partner XXXX  obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it.

Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Trans Unions Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLATION OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 ) ''

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 2022-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Marcus by Goldman Sachs has effectively prevented me from accessing my approximately XXXX They do not deserve FDIC approval!! On a Monday i tried in vain for hours to transfer money to my brokerage account at XXXX XXXX to pay for treasuries i was buying. I received error messages online repeatedly trying to link account thru XXXX, their software. Nothing but we cant cOnnect to your bankso I called them, rep took all info and also failed repeatedly to complete transfer or linking either. I then tried initiating the linking at XXXX  end. Days passed, nothing. I have never had such problems getting my money from one institution to another like this with NO ACCOUNTABILITY WHATSOEVER!!! I called Marcus, again went thru almost hour of useless attempts, finally rep said after i was on hold for 25 min that i can t link to a brokerage account!! Then why did previous phone rep Waste my time trying!!! 
Next I tried to link to my only bank, XXXX ( XXXX ) - again both online and phone rep failed after countless attempts!!!! I said how the hell do i get my money out???? She suggested mailing me a check for the XXXX!!!! Mail??? I said are u kidding???? I am going into the hospital on tuesday and ill be damned if I have to worry about you XXXX  mailing me a check for XXXX. I called XXXX  for help -they said they should have offered to wire it. I called Marcus back, ordered wire, four days later and umpteem phone calls, no wire transfer, no communication about it, no in formation when i call repeatedly to inquire whatthe XXXX is going on. NOTHING!!! I am XXXX yrs old and i have nearly had a XXXX XXXX from these XXXX  criminals witholding my needed funds most especially when they advertise no such things as refusing to let customers have their money!!!! I will get justice if it is the last thing i do on this earth. FDIC???? How on earth????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: TX

Complaint narrative:
XX/XX/2022 {$1000.00} XXXX sent a dispute letter and there's no validation of signature saying I have this debt or any type of validation that I stated to release any medical information They violated my HIPPA and my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting ACT, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  They have violated my rights.

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- 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 2022-10-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting ACT, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX They have violated my rights.

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- 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 explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
There's is an amount on my credit report stating that I owe XXXX about {$3800.00} from sometime in 2019. I've NEVER EVER had an XXXX  account. I DO NOT have any accounts that I owe in that amount. I don't know what part of the information to say is wrong or incorrect because it's all wrong or simply not me. 
I do not owe anyone this amount. 
I never had a XXXX account. 
I did not open an account around this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: MO

Complaint narrative:
{$540.00} XXXX XXXX XXXX, I have no idea of this 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 non-monetary relief
Consumer complaint received 2022-10-08 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: MO

Complaint narrative:
{$540.00} XXXX XXXX XXXX, I have no idea of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: MO

Complaint narrative:
{$540.00} XXXX XXXX XXXX, I have no idea of this 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 2022-10-08 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: TX

Complaint narrative:
Account has several addresses with inaccurate spelling. 

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

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 2022-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Multiple calls a day, including calls that stack on top of each other like minutes between phone calls, I have asked them to stop calling many times and told them I would report them if they did not stop, they continue to call. Today XX/XX/XXXX at XXXX they called twice so close to each other that the time stamp for both calls in my phones logs are stamped for XXXX and XXXX. A day before at XXXX and XX/XX/XXXX XXXX stacked calls at XXXXXXXX XXXX and XXXX they are calling like this non stop even after I have asked repeatedly for them to make no more contact. They constantly change the phone number they call from as well as if it were an attempt to hide who they are

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
Avant considers non-receipt of loan in amount of {$6800.00} as fraud when loan was applied for by myself, appears loan amount deposited into incorrect account number. Avant replied to prior CFPB complaint in part by issuing a fraud packet, when in fact the issue appears to be technical in nature, not fraud. Further, they refer to calls made to Avant regarding high interest rate, credit score not taken into consideration at time of application.. Calls were made prior to request lower rate, Avant refused, their rep by the name of XXXX XXXX unable to resolve matter. Further, funds were deposited into incorrect account, partial payment ( s ) made and ceased due to unresolved issue with interest rate and non-receipt of funds. Avant attempted to collect on debt by reporting amount to credit bureaus including interest, account later charged off after unsuccessful attempts. Avant simply needs to remove account from credit reporting, in which case, Avant remains evasive about matter, provides number to make payment in which case, no payments will be made. Failing to remove account from credit reporting, account will be removed from credit file after seven years, all negative/derogatory information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The car was Repossessed years before payment dates listed are false. Car was sold XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX XXXX XXXX XXXX XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 2022-10-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-08 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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-08 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 XXXX XXXX XXXX  XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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