vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
After a phone conversation, with IQ DATA International on or about XX/XX/XXXX, I mailed them a letter stating I disputed the debt and asked for debt validation. As a consumer, I have the right to request proof of validation of the debt and IQ Data should have provided me with the original debt or proof of debt and debtor 's name and address. They DID NOT! In my letter, I kindly informed IQ Data that pursuant to FDCPA that I was disputing the debt, and debt collection should stop until the original debt could be validated. Further, I requested that they do not attempt to contact me by phone but in writing again they violated my consumer rights because XXXX XXXX XXXX from their office called on XX/XX/XXXX and left a message on my cell phone. I demand that IQ Data International immediately stop collection actions and withdraw its negative reporting statement. I also demand that they only correspond to me in writing. IQ Data threatened to report this debt to the credit bureaus on the first call I had with XXXX XXXX and before validating the debt. IQ Data reported negative data on me to all 3 credit bureaus on XX/XX/XXXX, and after I disputed the debt. They did not give me proper due process. I am requesting an immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: SC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Consumer USA, delayed processing a payment on my XXXX XXXX by holding the check for 18 days. I issued a stop payment on the check and then Santander Consumer USA proceeded to process the check as a Direct Debit. Then to make matters worse, Santander Consumer USA then failed to tell me the payment had already been processed leading me to make an ACH payment to cover the lost check ( which they had in their possession ). I went to Santander Consumer USA, ask about a lost check, and was told to wait four days before taking any action. I did, still no payment processed, posted, or returned by Post Office. Other issues have arisen including taking some 5 months to receive a title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Credit card opened unauthorized using my identity and sent to collections due to non-payments. Credit card was opened XX/XX/XXXX, for the amount of {$200.00}. {$630.00} was sent to collections due to over due payment on XX/XX/XXXX. Unauthorized used was confront and refuses to pay up to date. 

A case was opened with a detective from the city police department on XX/XX/XXXX for identity theft. Case number XXXX. Please feel free to contact me to my email address or the city police department for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Cavalry Porting Services, LLC is reporting a collection account I am not responsible for due to identity theft. 

Amount : {$1400.00} XX/XX/2022 I sent a letter out to all 3 credit bureaus XXXX, XXXX, XXXX to investigate and it came back verified. They didn't provide any supporting documents such as original contract, my ID, my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: PA

Complaint narrative:
This complaint shall be labeled as a follow-up to my previous complaint. I want you all to remove the erroneous items in my file for they have not affiliated with me and are inaccurate. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2023-05-02 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: NY

Complaint narrative:
It is XXXX duty to be reporting correct and accurate information to TRANSUNION on my credit report and file, however, they are NOT. XXXX is reporting payment terms of 999 months to TRANSUNION on my credit report. This is incorrect and makes my credit report appear inferior. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A student loan payment constitutes a transaction. With that said, the reporting of the inaccurate payment terms results in XXXX & TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give XXXX & TRANSUNION written instruction/permission to furnish these inaccurate payment terms on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). Also 15 U.S. Code 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. It is clear that XXXX & TRANSUNION have violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-02 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: GA

Complaint narrative:
When I sent a copy of the FTC report, it took some time for it to become clear that the credit bureaus are not obstructing records. I'm sending this complaint to help with organizing a legal response because it is required by FCRA regulation 605b. If you choose not to stop the further objects listed below that are responding falsely as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-02 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: Credit Karma, LLC
State: PA

Complaint narrative:
Credit Karma advertised Pre-approved cards on my account that were false

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: LEXISNEXIS
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: MD

Complaint narrative:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXXXXXX 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 2023-05-02 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: MD

Complaint narrative:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I decided to look at my credit report and notice that XXXX XXXX XXXX is still reporting inaccurate information on all of my credit bureaus. I have paid this debt and they have agreed to remove the debt and it is still reporting on my credit. From my understanding the credit reporting agencies are supposed to be all accurate and I have attached where Date of last Active all are reporting with different dates, date of last payment ares seriously reporting inaccurately and each credit report agency are supposed to report on the same. I have attached documents

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Reporting in accurate information damage in my good credit and name

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 2023-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
Hello loan number XXXX I made my XXXX mortgage payment of {$2000.00} as United Wholesale mortgage portal stated in the amount of {$2000.00}. on XX/XX/2023. 

I received a letter on XX/XX/2023 stating my XXXX payment is being held in suspense due to and amount due of {$770.00}. I was not made aware of this {$770.00} until I called and spoke to Customer service on XX/XX/2023. This is a problem for me because it looks like i have not paid my mortgage ON TIME!. 

The reason my Mortgage statement balance was only showing XXXX for the month of XXXX XXXX was due to a NYHAF remaining credit from XX/XX/2023. 

If not for the credit from NYHAF for {$860.00} The original XXXX payment would have been {$2900.00}, but with the credit of {$860.00} from NYHAF brought the payment to {$2000.00}. 

I am also due a credit of {$1300.00} from NYHAF this wire was sent to UWM on XX/XX/2023. UWM is aware of this and will post once they locate the payment I am told. 

All I want at this time is not have to pay an additional {$770.00} to UWM- when I was NOT told about making this payment until XX/XX/2023. 

Why should I have to make an additional payment of {$770.00} as I was just told about adding this to my XXXX payment - and I have a credit of {$860.00} and {$1300.00}. 

If all I saw in the UWM portal on the day of my XXXX payment was to pay {$2000.00} which I paid. 
The account then said XXXX balance in the UWM portal. for my XXXX XXXX payment. 

I do not want my credit to show any late payments because of this. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: TX

Complaint narrative:
In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2023-05-02 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: CA

Complaint narrative:
When I review my credit report I still see the erroneous items in my report which I have already disputed last XX/XX/XXXX. Since no changes have been made I am disputing the items again please deleted them immediately. This complaint is my follow-up prior to my previous complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-02 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}

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 2023-05-02 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: PA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
Fix the following accounts in my file : XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: TX

Complaint narrative:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-05-02 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: TX

Complaint narrative:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation