vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
all inquiries on my report shall be removed permanently all late payments removed permanently an all credit utilization shall be removed permanently from my report due to the fact i have not given any written instructions to furnish anything on my report Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights. they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. also Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I discovered today on XX/XX/XXXX that a company calling themselves, NCB management services his place the collection account on my credit. I have no clue who these people are. I have received no voicemails. I have received zero written communication. It just pops up on my credit file. Now I know regulation of requires them to verify you have received written notification and notification of your right to dispute. This did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA

Complaint narrative:
I have received several emails from XXXX XXXX. Those emails or attached to this complaint. I opened a XXXXXXXX XXXX total checking account in another state namely XXXX Illinois in XX/XX/XXXX. I closed the total checking account at a XXXXXXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. At the time of account closure, I received the remaining balance left in the account which was in access the amount in which XXXX claims they are still owed. Additionally, the account closure happened while there weren't any pending withdrawals. The account closure was performed with a positive balance and funds left in the account. The account closure happened in XXXX however the fees in which XXXX XXXX is claiming is owed occurred in XX/XX/XXXX. The account closure was after XXXX days of the transactions in which XXXX alleges is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 2023-04-10 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX has sent me to collection 3 times. Most recently XX/XX/XXXX I was a full time salary employee until XX/XX/XXXX. XXXX is claiming overpayment which is incorrect. 

I thought this was taken care of XX/XX/XXXX when I emailed XXXX XXXX with collection agency. 

I called the school directly after the initial dispute of overpayment to try to clarify with little communication with HR. 

The forms sent to collection by XXXX are fraudulent I do not believe they are the originals. I see on the bottom of pages 16 and 17 " * original lost in mail '' The signature is mine on page 16 and 17 but none of the other writing on it is mine. 
It also does not make sense that I would sign and date it for XX/XX/XXXX and it would be sent to payroll on XX/XX/XXXX Page 16 and 17 also both are completed with " sick leave '' and " leave without pay '' marked however I do not recognize this writing- I DID NOT FILL THAT OUT. 

was working during the time paid and was paid appropriately. I The originals were misplaced by XXXX and completed by someone else, NOT MYSELF. Not sure how they can legally support this. 

I am tired of this harassment and plan to seek out legal assistance to resolve this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous account that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$760.00}

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 2023-04-10 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: CT

Complaint narrative:
TransUnion wrote me a letter stating they wont reinvestigate my dispute for Account Name : XXXX XXXX XXXX XXXX Number XXXX saying that it was verified but how is it verified when the Account numbers, Dates Open, Dates last active, Payment Status and Account status are different on each credit report according to the law 15 U.S.C 1681 Section 602 A States that I have the rights to privacy And law 15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions And I never gave TransUnion my permission nor written consent to furnish this account I want to know how was it possible for me to be the owner of this account and I was incarcerated until the summer of XX/XX/2022 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 2023-04-10 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXX XXXX XXXX XXXXXXXX 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 2023-04-10 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX 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 2023-04-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX and XXXX XX/XX/XXXX two payments to XXXX was made In the amounts of XXXX & XXXX a dispute was put on the account on XX/XX/XXXX after a misunderstanding with Credit Karma Customer Service Agent . It was also understood that it was to be removed .However the dispute wasn't removed from account as stated and it went through. Funds were sent back from XXXX to Credit Karma. XXXX notified me XX/XX/XXXX that funds was sent back to Credit Karma. I called Credit Karma and informed them due to dispute funds was sent back to them from XXXXI was told funds should be back in my account in 5-10 buisiness days from when XXXX first informed me funds was sent back.i contacted Credit Karma again I was informed that dispute was canceled and a provisional credit could not be given since dispute was canceled after that response I called them and was told by a supervisor to provide proof that funds was sent back to Credit Karma before a credit could be issue I provided proof through link sent to email for both payments that was rejected. I was than told a credit should be in my account within 72 hours if approve my case was being escalated to a specialized department if I have any further questions I could contact them through email. I didn't hear anything back from them. I called several times over a course of days I was asked to provide diffrents things something called a trace id number from XXXX in which I was able to obtain both trace id numbers and provide them sent over my ID and several escalations later still nothing. Last conversation was raised emotions I taped it he basically told me it could 60-90 days and I need to stop calling and emailing cause I'm pushing the time frame out more. Now as of XX/XX/XXXX I'm sitting in the dark with my kids and still out {$970.00}. I provided all the proof talked to all the managers sent multiple emails chats and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
XX/XX/2023 To whom it may concern : CCS Collections/Progressive Insurance ( account # XXXX ) is still reporting this item on all three Credit Reporting Bureaus ( XXXX XXXX XXXX and XXXX ) as a collection against me when in fact, CCS Collections is NOT who I paid when I closed my account from Progressive Insurance and went back to XXXX! ! I was not informed of this debt nor when it was assigned. CCS Collections had NEVER sent me a notice to pay BEFORE it was placed on my personal credit report file ( Please notice the dates of delinquency, my last payment date of {$100.00}, status date, and the assigned dates!!! All discrepancies and should not listed on my credit profile at all!!! 

I PAID MY FINAL BILL DIRECTLY TO PROGRESSIVE INSURANCE COMPANY, ( NOT THIS CCS COLLECTIONS ) SOON AFTER I LEFT THEM AND WENT BACK TO XXXX!!! 

* XXXX agent informed me today, any collection companies are supposed to send the consumer a letter and notice to give us a chance to pay the collections, and are NOT supposed to be reported until a year of 12 months goes by BEFORE that collection agencys item is placed on our personal credit reports! 

Progressive Insurance was to REMOVE that account from their records. And off my credit profile!!! This is NOT a collectible debt its a " credit discrepancy '' that CCS Collections added to my credit file without my knowledge and is supposed to DELETE AND REMOVE THE ENTIRE COLLECTION ITEM OFF OF MY CREDIT REPORT!! I I addressing this matter to their CCS Collections office located at XXXX XXXX XXXX, XXXX, MA XXXX XXXXXXXX today on XX/XX/2023 to send correspondence that was supposed to be forwarded to all the credit reporting agencies to be DELETED, TAKEN OFF AND REMOVED ENTIRELY off my credit report! 

Its still showing active as of today, XX/XX/2023 ... This should have never been reported to their company in the first place and I want it to be removed 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 2023-04-10 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: Continental Services Group, Inc. d/b/a ConServe
State: WA

Complaint narrative:
XXXX has sent me to collection 3 times. Most recently XX/XX/XXXX I was a full time salary employee until XX/XX/XXXX. XXXX is claiming overpayment which is incorrect. 

I thought this was taken care of XX/XX/XXXX when I emailed XXXX XXXX with collection agency. 

I called the school directly after the initial dispute of overpayment to try to clarify with little communication with HR. 

The forms sent to collection by XXXX are fraudulent I do not believe they are the originals. I see on the bottom of pages 16 and 17 " * original lost in mail '' The signature is mine on page 16 and 17 but none of the other writing on it is mine. 
It also does not make sense that I would sign and date it for XX/XX/XXXX and it would be sent to payroll on XX/XX/XXXX Page 16 and 17 also both are completed with " sick leave '' and " leave without pay '' marked however I do not recognize this writing- I DID NOT FILL THAT OUT. 

was working during the time paid and was paid appropriately. I The originals were misplaced by XXXX and completed by someone else, NOT MYSELF. Not sure how they can legally support this. 

I am tired of this harassment and plan to seek out legal assistance to resolve this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation