vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-10 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: NY

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 explanation
Consumer complaint received 2022-07-10 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: FactorTrust, Inc.
State: TX

Complaint narrative:
XXXX and Factor Trust consumer center you state that you do not report to anyone but you also state that XXXX gets information from you I understand XXXX owns you but but XXXX is using your information you get from where ever that makes you a consumer credit reporting company { right } enclosed are documents that you provided to XXXX that you state you dont keep .I request that all information on myself be frozen at one, you state it can not be frozen we have a { right to privacy law } that was enacted this year FREEZE any information about me at once use the FCRA to contact me about this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
About 18 years ago I had a mortgage with XXXXXXXX XXXX. They securitized and sold it to another servicer, but retained my PII. A few years ago, I was notified that my SSN had been compromised and offered identity theft protection services through XXXX. This week, I received yet another letter from XXXX that it happened again. I don't understand why my information was held in their system so far beyond what is legally required. I want it removed from their system and am writing to the CEO as well. Please investigate their practices. Clearly, they are not managing customers ', or former customers ', personally identifiable information in a way that conforms with best practice.

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 2022-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
I was served back in XX/XX/XXXX about a debt and responded back. I then responded in the allotted time. I also submitted a request for production of documents which I never got a response to. I then sent a letter back in XXXX of XXXX stating I had never received a response and it had been 60 days. I asked them to drop the lawsuit since the process has not been continued. I never heard back. In XXXX of XXXX, I received a letter stating they had made an error and never responded. I then sent them a letter asking again to drop the lawsuit since it had been a year and a half with no response as well as their admission to not continue. I have had a few letters sent from them since then threatening to take this further and that I have no basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have filed a dispute regarding incorrect items reported on my credit report. It has taken over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
XXXX Credit card was applied for in my name to an address other than my own. 

XXXX bank was attempted to open, was unsuccessful. 

XXXX credit was applied for also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Someone used my information to get a loan and forged documents in my name now they sending me letters saying I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act the reporting of the following accounts have violated my rights : XXXX XXXX card services. Date opened XX/XX/XXXX Account # XXXX. 

XXXX XXXX dealer services account # XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX card services account # XXXX. 

XXXX XXXX XXXX account XXXX XXXX. 

XXXX account # XXXX. 

XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX. Account # 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 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 2022-07-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act the reporting of the following accounts have violated my rights : XXXX XXXX card services. Date opened XX/XX/XXXX Account # XXXX. 

XXXX XXXX dealer services account # XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX card services account # XXXX. 

XXXX XXXX XXXX account XXXX XXXX. 

XXXX account # XXXX. 

XXXX XXXX account # XXXX XXXX XXXX XXXX Credit management Account # XXXX XXXX XXXX XXXX. Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have filed a dispute regarding incorrect items reported on my credit report. It has taken over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
Moneylion had taken out loans in my name..because I donated {$50.00} to XXXX XXXX XXXXXXXX  to help musicians out because of the pandemic..they tried taking {$1500.00} out on my bank card..then they got loans to get the {$1500.00} then damaged my credit..I don't live in XXXX XXXX transition dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. File # XXXX Money lion Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have a bunch of different amounts in my name..I have had my credit ruined..my car insurance went up..I had a card that was canceled on me because of them and I can even get another car because of this...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 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 Account # XXXX AND XXXX XXXX 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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: IL

Complaint narrative:
I have attempted to download a copy several times to send the sites will not allow me to. I have disputed this on all three. I recently mailed a copy to all 3 credit reporting bureaus to update. My debt should reflect {$22000.00} minus the loans that are paid in full that should be reflected as 3-4 months ago this is defamatory and derogatory to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2022 ive disputed these accounts with transunion, XXXX, and XXXX  i received no response or results on any investigation that i requested. i requested for them to validate 2 collection accounts on my report which they failed to do in the 30 day investigation period.i also requested that they update my personal information and remove all inaccuracies from my report. they have failed to investigate and comply with my instruction to remove all inaccuracies .transunion instead tried to send me a stall letter accusing me of using a third party to contact them which has nothing to do with the investigation i requested for these accounts .i dont appreciate them ignoring my request and violating my consumer rights by failing to respond in the 30 day investigation period.transunion especially, continue to violate my consumer rights by trying to stall to buy them more time to discourage me from my rght to disputing these accounts that are a defamation to my character .according to the federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days.if they do not respond within this time frame, they must remove the negative and inaccurate listings disputed.it as been 47 days since ive disputed and ask for an investigation, which is a blatant violation of my consumer rights.i would like these inaccuracies to be removed from my credit report.

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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX Credit card was applied for in my name to an address other than my own. 

XXXX  bank was attempted to open, was unsuccessful. 

XXXX credit was applied for also

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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In checking my TransUnion report I noticed an account XXXX XXXX XXXX with no account number showing on my report as last reporting XXXX XXXX with an open balance showing {$1300.00}. To my knowledge I do not, nor have I entered into an agreement for repayment to XXXX XXXX XXXX. XXXX XXXX XXXX has no authority to collect from me. XXXX XXXX XXXX is hereby in violation of my consumer rights afforded to me under the Fair Credit Reporting Act. According to the Fair Credit Report Act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that is listed on a consumer report. 

I demand from XXXX XXXX verifiable proof where I have lawfully consented to enter into any contract with XXXX XXXX. If this can not be provided, I demand an immediate deletion from any and all credit reporting agencies that they may furnished this inaccurate information 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
Consumer complaint received 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX, XXXX XXXX  a fraudster gained access to my USAA account and wired in {$5000.00}. Then they transferred money from my savings account to my checking account, and wired out {$6100.00}. I called the next day to dispute the unauthorized wire and assumed they would handle the problem. USAA attempted to recall the wire on XX/XX/XXXX. Even after securing my account with USAA with their security team, I had another {$5000.00} transfer from my checking account, on XX/XX/XXXX which left my account overdrawn ( - {$5000.00} ). They told me they would look into the issue but it may take up to ten days. Ten days later, and my dispute was closed though nothing was resolved or communicated to me. I had to issue a new dispute and a new wire recall to start the process again. I am now receiving official USAA letters to collect the money from my overdrawn checking account. It has been a month and they have not resolved the issue nor have they been helpful in communicating why my account was able to be overdrawn by {$5000.00}. Or why I am liable for an unauthorized wire and transfer? 

In short, someone stole my money and now USAA is asking me to resolve the insufficient funds, which I do not have since all my money was wired out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Statebridge Company
State: CA

Complaint narrative:
Statebridge contacted about collecting a debt that I have already paid. They served me by Certified Mail, on XX/XX/XXXX ( Date received ) of an account which they planned to accelerate. The actual date of the letter is ( XX/XX/XXXX ) and the debt is identified as Loan # XXXXXXXX. I do not have any responsibility for the debt youre trying to collect. I have already paid this loan off with the original lender in XXXX of XXXX. 

The account is already settled, already paid. XXXX XXXX XXXX ( XXXX XXXX. XXXX ) was paid by XXXX XXXX XXXX XXXX on XX/XX/XXXX in a refinance of my home loan. ( XXXX XXXX. XXXX ) Payoff to XXXX XXXX ( {$48000.00} ) per ( Escrow # XXXXX ) Funds were over-nighted by XXXX to XXXX XXXX. Deed of XXXX recorded XXXX XXXX of XXXX CA. 

After they re-aged the debt, attempted a foreclosure on a property they had no legal right to, pressured us by attempting a Trustee Sale, I had to pay late payments, your attorney fees, and foreclosure costs for a debt Ive already paid which violates California Code, Code of Civil Procedure - CCP 726 ( a ), There can be but one form of action for the recovery of any debt or the enforcement of any right secured by mortgage upon real property or an estate How does this madness end? 

Even if I owed this, this Debt would be time-barred by now. It is well-established that it is a violation of the FDCPA ( Fair Debt Collection Practices Act ) for a debt collector ( including a debt buyer ) to file an action in court to collect on a time-barred debt. It likewise is a clear violation of the FDCPA to threaten to file such an action. Debt collectors, including debt buyers, may violate the law not only if they file an action to collect on time-barred debt, but also if they engage in deception in collecting on time-barred debt. When collectors attempt to recover on debts, in many circumstances, such efforts may convey or imply to consumers that the collectors could sue them if they do not pay. If the debts are time-barred, this message would be false or misleading, because the collectors in fact can not legally file an action against them if they do not pay. Information about the consequences of not paying debts being collected appears to be important to consumers in deciding whether to pay debts and in what order to pay debts. You are violating Federal Law FDCPA : 807 by using false and deceptive representations to force me to action on this debt, especially when I dont owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: NY

Complaint narrative:
I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXXXXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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 Account # XXXX AND XXXX XXXX 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 2022-07-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX AND XXXX XXXX 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