vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
An individual hospital service provider illegally had a collections account added to my credit file. TransUnion illegally unlocked and removed a permanent freeze that I had on my account to allow this company to create and apply a credit debt to may account that belongs to the US Veteran 's Administration. I had this removed via my monitoring services with XXXX  but found that is now showing on TransUniion and they have illegally locked me out of my account by monitoring my security question answer that is used to access the account. I worked on this in 2020 to correct and freeze my account due to a breach and theft of a credit card and this credit reporting agency continues to violate not only my privacy and my rights but has allowed the illegal adding of an account to my locked and frozen credit file that I did not give anyone permission to add anything to and they continue to prevent me from being able to correct it despite being notified that it is not mine.

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 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
XXXX XX/XX/2021 USCB AMERICA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX To whom it may concern USCB AMERICA Has failed to respond to my debt validation request. 
They are in violation of FDCPA laws by not contacting me through mail per my request. 

They have been harassing me plus they have recently put an inaccurate non validated debt on my credit report that I was never aware of. 

I have filed a complaint with the consumer financial protection bureau as well as the XXXX XXXX XXXX.I have contacted my lawyers they will also be sending you letters to take this matter to court because they are violating HIPAA law I have contacted USCB America and it has been 30 days. I have contacted this agency on 3 occasions and I have not received anything in the mail to validate this debt. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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 — Investigation took more than 30 days
Company: United PanAm Financial Corp.
State: TN

Complaint narrative:
On XX/XX/2012 regarding complaint XXXX. United auto Credit provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: PA

Complaint narrative:
I paid my balance in paid and when it updated it did not show my correct balance.

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked this company to update my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2012 regarding complaint XXXX. XXXX XXXX XXXX provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.

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 2021-08-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2012 regarding complaint XXXX-XXXX. XXXX XXXX XXXX provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.

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 2021-08-09 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: MI

Complaint narrative:
I have been sending letter since XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have not gotten a written statement on how it was verified/validated the Bankruptcy and all they say it was verified through XXXX. 
I believe I have given ample time to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: IL

Complaint narrative:
Account on my report stayed longer than 7 years and still getting reported. Disputed some things but keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Timothy M. Sullivan
State: TX

Complaint narrative:
I was notified on XX/XX/2021 by company HS FINANCIAL GROUP , LLC proclaiming to attempt a debt collection for an amount of {$3400.00}. The notification reveals that the collection was being done on behalf of a separate entity identified as XXXX XXXX XXXX, XXXX. I would like to report these collection efforts as both fraudulent and unethical. There was notification sent to HS FINANCIAL GROUP , LLC back on XX/XX/2021 requesting validation for the said amount owed. Proper response was not given and I feel that my personal information/identity as at breach.

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was not aware i owed a debt on a credit card until it appeared on my credit by way of PORTFOLIO RECOVERY ASSOCIATES. I thought the account had been paid. At any rate, once i learned i owed the debt i wanted to pay it even though PORTFOLIO RECOVERY ASSOCIATES had placed the account on my credit without sending me a notice or to verify the debt.

That said, I was told if I paid the account for the settlement amount they ( PORTFOLIO RECOVERY ASSOCIATES ) would remove the account from my credit because technically they were in violation by not contacting me first. I asked for XXXX XXXX to put it in writing first- he did. To date the account has not been removed as agreed its showing that I made a settlement on the account Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX. 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$310.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Comment Account paid in full for less than full balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: GA

Complaint narrative:
My rights as a federally protected consumer has been violated there are 2 accounts reporting on my consumer report that i did not consent to, authorize nor benefit from them i need those 2 accounts removed from my consumer reports immediately or i will be seeking litigation. I have attached the letter i mailed to capital one and an FTC report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter out to TransUnion, XXXX, and XXXX. In the letter, I pointed out several inaccurate accounts reporting on my credit report. It has been beyond 45 days and I still have not received any results from the 3 credit reporting agencies. I have tried contacting the credit reporting agencies but they have not resolved the situation. I believe they are taking advantage of my situation and they are not doing anything to fix the problem. I contacted them on several occasions. even after contacting them, they still have not sent me the results of the investigation. They are in violation of the law because they have 30 days to do an investigation and they are suppose to send me the results of the investigation within 5 days of the investigation. If they can not verify the accounts, it must be removed from my credit report. These inaccurate accounts has been holding me back from several opportunities and it has caused a lot of stress.

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 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This debt from XXXX XXXX XXXX  keep coming back when I never been to this hospital or place. I do not even know how they have my information and how do this collection agency have this 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 2021-08-09 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:
I filed a complaint on XX/XX/2021 with FTC against XXXX XXXX  scamming me on a car loan. Please see the attached report and remove this item immediately from my credit profile. I will take civil action against vehicle solutions on the backend for trying to collect on a vehicle that the committed a scam on and placing it on my report. Attached please find the FTC report that was filed against this company. 

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 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX  XXXX  ran my credit with out permission and in a email they say they can as many as times as they like Please delete this inquiry I did not give permission if not please show me giving them permission to run my credit

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 2021-08-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I mailed dispute letters to Equifax, XXXX  and XXXX  and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
Account on my report stayed longer than 7 years and still getting reported. Disputed some things but keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MI

Complaint narrative:
I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that Equifax and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also Equifax and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
on XX/XX/2021 I discovered inaccuracies on my report and decided to send a dispute letter to address the issues. There is different open dates reported and multiple other inaccuracies. Hyundai Capital America has multiple complaints on XXXX  for credit reporting and has over 550 complaints on CFPB for credit reporting issues!

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/21 I sent a letter to Portfolio Recovery regarding a debt that I do not owe and a card I never signed up for. I sent this letter by certified mail receipt # XXXX by USPS postal service. I never received a validation with the items that I requested to prove that this debt was mine, and I assume that they never responded because you can't validate something that is false. I followed up with another letter on XX/XX/21 and still received no response to my request nor any validation that this debt belonged to me, which I mentioned numerous times in my request that this account was not opened by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: WA

Complaint narrative:
On XX/XX/2021 I received an email from XXXX XXXX of TrueAccord, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to XXXX XXXX XXXX. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. 
The following day, XX/XX/2021, XXXX XXXX of TrueAccord responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. 
Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I mailed dispute letters to XXXX XXXX and TransUnion and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.

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 2021-08-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I mailed dispute letters to XXXX, Experian and XXXX  and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.

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