vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: Early Warning Services, LLC
State: SC

Complaint narrative:
I have new and updated information this is NOT credit repair. This is me, XXXX XXXX XXXX. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) - I have requested and I quote the descriptions of the procedures of the reinvestigations under the FCRA into each of the following account and entries furnished on my consumer report, that were verified as accurate. Early Warning Services has had ( fifteen ) 15 days from receipt Certified mail # ( XX/XX/2022 @ XXXX ) XXXX XXXX XXXX XXXX XXXX Green Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX The fifteen days are up. Early Warning Service has not answered my demand in accordance w federal law in providing the descriptions of the procedures of the reinvestigation within 15 days pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and as such the following entries must be removed as they can not and have not been verified as accurate. 

XXXX  XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX Attached is my previous complaint and the response from Early Warning Services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with Experian and XXXX report. I have filed numerous disputes directly with credit reporting companies to remove XXXX, XXXX from my credit report/file. XXXX continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, XXXX can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by XXXX XXXX, Experian, and XXXX violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with Experian and XXXX. I am also in the process of filing a complaint with the Texas Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at XXXX, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.

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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 I contacted the company Caine and Weiner via a letter sent through the United States Post Office, regarding a collection I noticed on my credit report. The letter requested verification of the debt, along with proof that Caine and Weiner is licensed to collect debt in the State of New Jersey. At that time Caine and Weiner was not licensed with the Attorney General to collect debt in New Jersey. The collection agency did not verify the debt, but responded to my letter with a copy of a bill I did not recognize. On XX/XX/2021 I responded with a second letter that asked for a verification of the debt, there was no response from Caine & Weiner. On XX/XX/2021 I sent a third letter which was a non response letter. In return the collection agency did respond with another copy of the bill, and no proof that are registered to collect debt in New Jersey. I have attached a signed return receipt from the post office, as well a stamped receipt with the company 's name and address from the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are both from XXXX, Tx and for the past 3 years, they have been hacking into my XXXX, XXXX  XXXX XXXX, and Wells Fargo account. My real savings is in a secure account that they can not get into so yeah.

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 2022-04-27 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: TX

Complaint narrative:
The following credit inquiries on my Experian credit report are unauthorized AND not made by me. According to the FCRA all unauthorized records/inquiries should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau in this report have refused to delete these inquiries when I reached out to them and requested such deletion. Here are the unauthorized inquiries : XXXX XXXX XXXX Inquiry date : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have also asked Experian to update my address to : XXXX XXXX XXXX # XXXX XXXX  XXXX, TX XXXX AND delete all other addresses. I have filed a previous complaint and they failed to make the right correction. This has made me vulnerable to identity theft due to the possibility of my mail going to addresses I'm not associated with.

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 2022-04-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
This company is attempting to collect extra interest on an account. Interest that is not stated in the original contract.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX, and account # XXXX from XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 

I have attached my ONLY 2 forms of ID to this complaint

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 2022-04-27 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: SC

Complaint narrative:
I have new and updated information this is NOT credit repair. This is me, XXXX XXXX XXXX. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) - I have requested and I quote the descriptions of the procedures of the reinvestigations under the FCRA into each of the following account and entries furnished on my consumer report, that were verified as accurate. Transunion has had ( fifteen ) 15 days from receipt Certified mail # ( XX/XX/2022 @ XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fifteen days are up .Transunion has not answered my demand in accordance w federal law in providing the descriptions of the procedures of the reinvestigation within 15 days pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and as such the following entries must be removed as they can not and have not been verified as accurate. Transunion has ignored my request and you are now in default. 

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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: PA

Complaint narrative:
I get repeated phone calls from this place even after the debt has been removed from my credit report. They bought the debt from an apartment complex I used to live and now will not leave me alone with the unprofessional and repetitive phone calls. Its basically harassment at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
XXXX XXXX XXXX- {$770.00} Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I reached out to Ally Financial XXXX, XXXX, ( XXXX ) XXXX, XXXX, XXXX and XX/XX/XXXX to advise of financial hardship due to losing my job due to a massive employer layoff due to COVID19. I lost my job XX/XX/XXXX, gained employment XX/XX/XXXX and lost my job again due to catching the virus XX/XX/XXXX. I advised Ally Financial of this each time, each time I gained employment and each time I lost employment. When I was granted financial assistance, and payment arrangements were made, Ally Financial still reported my accounts as past due 30, 60, days which is against the CARES amendment credit act. When I applied again because I saw via the company website that COVID relief was available, I was denied more than 3 times in a 3-month time span. I asked and sent documentation as to why the company was advertising that it was offering COVID relief and was not and I never got a response.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, 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 : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 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 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, 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 XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX Acount # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my EXPERIAN, XXXX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK These accounts and inquiries are fraudulent , unverifiablXXXX XXXX and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.

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 2022-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX - Equifax. I have been challenging this account with the company XX/XX/2022, upon challenging this XXXX has deleted the account based on the lack of ability to properly verify all reported information being accurate. To my understanding the creditor reports the same information to all bureaus per FCRA. If this is true I am requesting information used to verify this account in writing. However Ive have sent disputes, and Equifax keep updating the accounts and not sending me proof to verify the debt. I sent a complaint to CFPB about this same company back XX/XX/2022 and Equifax said they will handle the account still not verifying the account per dispute they sent in the mail. Also Equifax aren't reporting accurate information on this account, So how can they say they have finish their investigation with wrong information from. THIS IS A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX states I owe two medical bills which are showing on my Transunion credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the two collections are still on my credit report after disputing three times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information. Due to the inconsistencies and defamation I want this removed off my report 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 explanation