vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXXXXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
The addresses I disputed. I never lived at these addresses. The addresses were private mail box addresses, they are showing them as apartments they are not. One of the addresses is listed in a city that does not even have such an address.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See document attached

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 we applied with XXXXXXXX XXXX XXXXXXXX to refinance, as soon as my credit was unlocked so the mortgage process person could run it, I began to get phones calls about 25 to 30 phone calls from several different mortgage companies. Everyone stated that Equifax gave them my information that I was running my credit for a refinance my mortgage... this appears to be illegal for Equifax to share my information, WITHOUT my consent... can you please help??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: GA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX RE : Accounts XXXX XXXX  XXXX # XXXX XXXX Closed ) XXXX XXXX XXXXXXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed XXXX XXXXXXXX XXXXI # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed ) SXXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXX XXXX # XXXX ( Closed ) XXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX XXXX # XXXX ( Collection ) XXXX XXXX XXXX # XXXX ( Debt Buyer ) XXXX XXXX XXXX XXXX XXXXXXXX ( Debt Buyer XXXX XXXX & XXXX # XXXX ( Collection ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you,

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 2023-06-22 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: GA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX RE : Accounts XXXXXXXX XXXX  XXXX # XXXX XXXX Closed ) XXXX XXXXXXXX XXXX XXXX  # XXXX ( Closed ) XXXX XXXX XXXX # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed XXXX XXXXXXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection ) XXXX XXXX XXXX # XXXX ( Debt Buyer ) XXXX XXXX XXXX XXXX XXXX ( Debt Buyer XXXX XXXX & XXXX # XXXX ( Collection ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you,

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 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
My account was overdrawn and sent the account {$700.00} on XX/XX/XXXX from XXXX XXXX. U.S Bank is saying they didn't get the funds until XX/XX/XXXX at XXXX. They hit me with 3 seperate XXXX dollar fees. They say they can not do anything about the fees.

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 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I called TransUnion where I couldn't get a live agent on the phone to speak with about the incorrect information on my credit report. I was then sent a text message where a agent texted me about the problem I was facing. The agent then told me that they could not help me being that it was texting. I told them I sent letters to them from FCRA stating that the hard inquiries was not authorized by me nor did I sign off giving anyone permission to pull my credit I wanted them to be delete immediately. The Transunion text agent then told me that someone will remove them soon and get back to me, but this is not a form of communication. She/he then tells me they will email me once they receive my letters in the mail. I did not email them in I asked for a signature so that I know that they have been received by a human and not the e Oscor system. I would like these items removed from my credit report as soon as possible.

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 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
Upon relocating to Alabama for work I rented a property from XXXX Properties. My rights were violated because I was informed that the deposit was {$2000.00} so I signed the lease and paid {$3600.00}. I was given permission by XXXX XXXX XXXX XXXX XXXX Properties to have access to the property prior to moving in to paint the XXXX XXXX pink and canary yellow walls a neutral tan color. I was told the carpet and house would be professionally cleaned prior to move in and neither was done. XXXX informed me that I would not be responsible for the cleanings on the way out verbally and in writing. ( 1 ) I found out during my research that it is illegal in the state of Alabama to charge more than the monthly rent for the deposit. I called XXXX XX/XX/XXXX to find out what my options were for ending the current lease and they told me that they find someone to sublease the property. Lease was signed in XX/XX/XXXX started in XX/XX/XXXX and I went to California to assist my daughter XXXX XXXX with the birth of her twins. XXXX kicked in and I was stuck in California. I had my nephew taking care of the property and yard while I was away. When XXXX found a tenant I paid someone to pack my belongings and my son drove my belongings to California. My nephew swept the house clean and we did a facetime video before he turned the key in. The house was left cleaner at moveout than it was prior to move-in. There was a major storm between the time the home was vacated and when XXXX visited the property. I received a call from XXXX informing me that the house was trashed as I knew this was not true I asked them to send me proof. I received pictures of the same spots I sent them upon moving in after I cleaned the carpet 3 times with my XXXX. Through email I received a list of charges after 4 years of normal wear and tear I corresponded with XXXX in an attempt to resolve this and was informed I would receive a call from the owner the next day ( XX/XX/XXXX ) and the next call I received was from a collection agency ( XX/XX/XXXX ) XXXX XXXX who first misrepresented themselves by telling me they were attorneys representing XXXX. I sent XXXX XXXX XXXX XXXX the documentation and pictures I sent XXXX explaining why I wasn't obligated to pay the charges and they told me they basically had nothing to do with that and XX/XX/XXXX they reported the inaccurate information onto my credit file. All communications was done through email with the owner 's secretary. They were given my forwarding address several times, but I never received anything in writing by mail informing me of the retention of my security deposit within the 60 days allotted by law according to Alabama landlord/tenant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX EMS/VETERANS XXXX XXXX VETERANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL CAPITAL XXXX AUTO FIN NOWCOM/WESTLAKE FINANC NCCINC/ORR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMS/VETERANS XXXX XXXX VETERANS UNI XXXX XXXX BANK 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 2023-06-22 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: OH

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

I have already disputed these items, but the bureaus did not remove them, nor prove validation.

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 2023-06-22 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: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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
Consumer complaint received 2023-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
In accordance with the fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b 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 explanation
Consumer complaint received 2023-06-22 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: FL

Complaint narrative:
Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22 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: FL

Complaint narrative:
Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} ; Inquiries : XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry DateXXXX

Company response to consumer: Closed with non-monetary relief