vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XX/XX/XXXX ; EQUIFAX MORTGAGE XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Transworld Systems , Inc, for committing identity theft. I have never given Transworld Systems , Inc, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems , Inc any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Transworld Systems , Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems , Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems, Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems , Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: VA

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX  XXXX Balance : {$17000.00}, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: VA

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX  XXXX Balance : {$17000.00}, Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX XXXXXXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$2100.00}, XXXX XXXX # XXXX {$1400.00} 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 an 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 2023-05-20 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: TN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$30000.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$690.00}, XXXX XXXX  XXXX Balance : {$3600.00}

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 2023-05-20 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: IN

Complaint narrative:
I have a debt on my credit report that I do not recognize that it's not mine! I disputed it with the three major credit bureaus and asked for proof from the debt collector of verification and what I received was anything but verification just a piece of paper with ink on it! No signatures no dates no credit card numbers debit numbers cash payments anything! Just my name and a amount owed to XXXX. The debt collector 's name was not even on the statement so I don't know why they are even collecting on something I know nothing about! I am attaching the letter that they sent me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: IN

Complaint narrative:
I have a debt on my credit report that I do not recognize that it's not mine! I disputed it with the three major credit bureaus and asked for proof from the debt collector of verification and what I received was anything but verification just a piece of paper with ink on it! No signatures no dates no credit card numbers debit numbers cash payments anything! Just my name and a amount owed to XXXX. The debt collector 's name was not even on the statement so I don't know why they are even collecting on something I know nothing about! I am attaching the letter that they sent me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I ordered a copy of my most recent credit report and discovered that there is a collection account on my credit agency report that I do not recognize, I have never had an account with them, and I have not received any communication from them in reference to this supposed account. Upon further investigation on my own this collection agency is not licensed or registered in South Carolina to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Last XXXX i went through a hardship and i brought my account positive and i did not used my accounts any more after. As of XX/XX/2023 i have hundreds of dollars overdrawn. I have a member with Navy federal for 12 years and did not have a problem with paying and utilizing my account in a positive way. I lost XXXX family members last year and went through alot of XXXX because of this loss and also losing employment. I have reached out to the company and was not even considered for the longevity and loyalty that i put into business with Navy Federal. This is also a loss for me. Please assist with getting my accounts reactivated. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX  XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX  # XXXX {$2100.00}, XXXX XXXX # XXXX {$1400.00} 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 an 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 explanation
Consumer complaint received 2023-05-20 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: MA

Complaint narrative:
I am very thankful for your help to REMOVED the erroneous information in my credit file that came about because of a FRAUD yet there are some items that passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more.I 've been contacted my lawyer regarding this matter.. The following items needs to be removed : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: IN

Complaint narrative:
My student loans were sold by XXXX XXXX to XXXX. XXXX XXXX held my student loans since XX/XX/XXXX. When they were sold to XXXX ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks later, XXXX opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. XXXX listed my oldest account at 7 years old although XXXX XXXX reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years XXXX is reporting ). The numerous, newly created accounts by XXXX along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that XXXX XXXX was likely reporting it incorrectly previously. XXXX XXXX held my student loans for over a decade. I have no control or say in my student loans being sold. Whether XXXX XXXX was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way XXXX is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. XXXX will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: IN

Complaint narrative:
My student loans were sold by XXXX XXXX to XXXX. XXXX XXXX held my student loans since XX/XX/XXXX. When they were sold to XXXX ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks later, XXXX opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. XXXX listed my oldest account at 7 years old although XXXX XXXX reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years XXXX is reporting ). The numerous, newly created accounts by XXXX along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that XXXX XXXX was likely reporting it incorrectly previously. XXXX XXXX held my student loans for over a decade. I have no control or say in my student loans being sold. Whether XXXX XXXX was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way XXXX is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. XXXX will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: IN

Complaint narrative:
My student loans were sold by XXXX XXXX to XXXX. XXXX XXXX held my student loans since XX/XX/XXXX. When they were sold to XXXX ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks latXXXX XXXX  opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. XXXX listed my oldest account at 7 years old although XXXX XXXX reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years XXXX is reporting ). The numerous, newly created accounts by XXXX along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that XXXX XXXX was likely reporting it incorrectly previously. XXXX XXXX held my student loans for over a decade. I have no control or say in my student loans being sold. Whether XXXX XXXX was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way XXXX is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. XXXX will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..

Company response to consumer: Closed with explanation