vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

Account XXXX : XXXX Account # : XXXX has violated my rights. 

Account Name : DEPT OF ED/XXXX Account XXXX : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 A. 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 an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) Section states 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnace any information relating to look at summer to any consumer reporting agency if the person knows or has a reasonable cause I believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/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 2023-06-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  OXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: MO

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : {$27000.00}, XXXX  XXXXXXXX Balance : {$300.00}, XXXX XXXXXX/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 2023-06-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$27000.00}, XXXX  XXXXXXXX Balance : {$300.00}, XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The agencies closed the accounts, but did not delete the accounts, per the request and previous documentation sent over. They only honored the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The agencies closed the accounts, but did not delete the accounts, per the request and previous documentation sent over. They only honored the closing.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX is misleading and doing fraud say that I old him {$300.00} I never authorize or agree for that loan and they sold the debt collection to national credit adjuster I have contacted both parties and they both asked me for a copy of my ID and Social Security and proof of residence. I sent it to them and they just said everything is verifying. and thats a lie because on XX/XX/XXXX of XXXX. I never applied for a loan at speedy cash. And then it says XX/XX/XXXXXXXX Everything is up to date. So yes, theyre scamming me and the doing fraud I asked him for a copy of the contract and I never received anything back this collections ask hurt my credit and myself and hurts me financially due to higher interest that I have to pay you to their mistake and there being scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX Balance : {$20000.00}.

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 2023-06-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian stated they did an investigation, but they did not properly validate, and did not properly validate within the time frame. I received a lot from XXXX of the companies listed, which is how I know they did not properly validate. XXXX of the other credit agencies did, and because of that, it was removed. 

I would like to know how they met the requirements in validating these. XXXX of the accounts listed, when contacting the originator is no longer in existence. 

The next step is a lawsuit for improper validation and fraudulent practices for the gain of the company, neglecting consumer rights for monetary gain.

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 2023-06-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2023-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
This loan should be protected by the The Cares Act. They reported my student loans as late during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
I obtained a loan from USBank at XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX XXXX, and branch manager XXXX XXXX XXXX for a used auto back in XX/XX/2022, and I have been making my payments on time every month. I purchased the car from my Father. I received letters from USBank saying they were going to repossess the car because they still did not have the title. As of this date, we have not received registration or tags for the car I purchased. After waiting a while, I reached out to both XXXX XXXX and XXXX XXXX and they told me they lost the original title from XXXX. They asked me to order a new one and XXXX it to them. They lost that one. Then we got a hold of the VP XXXX XXXX because we were going on 6-8 months without registration or tags. She had XXXX XXXX call us and ask us to order another title from XXXX. I had to pay each time I had to do this. All this time they were taking money from my account for a vehicle that was still not registered to me. Then we got the title and hand delivered it to XXXX XXXX who said he was going to hand walk it into the DMV and get it taken care of. As of today 's date the car is still not registered to me and I do not have tags, I don't know what else to do. This bank has never sent in my title, nor given me a registration or tags. And now, the branch is closing down. I tried to go to the DMV directly to get a copy of registration and new tags, but they can't release them to me. I can't even drive my car because I am afraid I will be arrested for driving an unregistered vehicle. This has been going on for over a year. And I have been making my payments this entire time. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against a collection company that is trying to collect a debt related to a phone services bill, in violation of the Fair Credit Reporting Act ( FCRA ). The collection company in question has failed to provide me with any validating information regarding the debt and has engaged in aggressive and harassing tactics in attempting to collect the debt. Additionally, the collection company has continued to report the debt on my credit report despite my requests for verification. 

I believe that this collection company is in direct violation of the FCRA, which stipulates that collection agencies must provide consumers with validating information regarding the debt they are attempting to collect and that they may not engage in aggressive or harassing tactics in attempting to collect the debt. I have attempted to dispute this debt with the collection company but have been met with unprofessional behavior and inability to verify the debt in question. 

I respectfully request that the CFPB investigate this collection company and take appropriate action to hold them accountable for their violation of the FCRA. I also ask that you help me verify this debt to ensure that it is legitimate and has not been reported erroneously and have it removed from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief