vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: TX

Complaint narrative:
On XX/XX/2021, I sent a 609 letter requesting an investigation from TransUnion XXXX XXXX regarding inaccurate/erroneous items on my credit report that were being reported illegally. On XX/XX/2021, TransUnion XXXX XXXX sent a letter stating they completed the investigation, the items were verified as accurate and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect and does not belong to me. On XX/XX/2021, I sent a Method of Verification letter, requesting under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2021. I also stated that they have to reply within 15 days of the date of this letter or delete the negative items, as originally requested. It has been 15 days and I have received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TX

Complaint narrative:
On XX/XX/2021, I sent a 609 letter requesting an investigation from XXXX XXXX XXXX regarding inaccurate/erroneous items on my credit report that were being reported illegally. On XX/XX/2021, XXXX XXXX XXXX sent a letter stating they completed the investigation, the items were verified as accurate and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect and does not belong to me. On XX/XX/2021, I sent a Method of Verification letter, requesting under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2021. I also stated that they have to reply within 15 days of the date of this letter or delete the negative items, as originally requested. It has been 15 days and I have received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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:
I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : XXXX XXXX XXXX XXXX.I am demanding no further communication, return of property, in regard to the COLLECTION this alleged debt. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. Nothing, for months now this company has " been in review '' of some thing they are willingly doing in unlawfully throughout identity theft and fraud. Equifax, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/21, I reached out to XXXX by mail to inquire the method of verification for a chapter XXXX that was listed on my credit file with them according to XXXX XXXX and myfico, I received a response by mail a little over 30 days later, informing me that no bankruptcy was listed in my credit file and that they would send me a copy of my credit report to show this. Once I received my report, a month later, I found that they were correct and due to seeing the given item was still reporting, I reached out to myfico and was informed they can only report what XXXX gives them. At this point, I don't know what how to resolve this situation.

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 2021-10-11 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-10-11 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: PA

Complaint narrative:
This Complaint was completed by XXXX XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person. These companies stated that they do not have to follow any of the TILA, FDCPA, FCRA, or USC, UCC, FAR, regulations codes and laws. These companies committed Identity theft, misleading and unfair practices, harassment and abuse I never gave them or any company written consent to exchange, give, report or falsely 15 USC1692 j furnish any deceptive reports or forms. I was denied a home, vehicle transportation to get to work, unable to receive services, and turned down a job offer due to defamation of character due to their inaccurate reporting and false reporting I have severe injury. They have also sold my information to other 3rd party companies and branches without my written consent as well. I the Consumer XXXX XXXX Natural person advise that XXXX, XXXX, and Equifax, XXXX out all accounts on the or in the credit file or consumer report whatever their specific terminology proceeds as I advise the company to follow such instructions or pay remedy at {$1000.00} per minute on every account that is not corrected by my instructions and kept on my consumer report paid in good standing.

15 USC 6821 Privacy protection for customer information 15 USC 1692 f Unfair Practices 15 USC 1692 e False and misleading information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: PA

Complaint narrative:
This Complaint was completed by I XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person. These companies stated that they do not have to follow any of the TILA, FDCPA, FCRA, or USC, UCC, FAR, regulations codes and laws. These companies committed Identity theft, misleading and unfair practices, harassment and abuse I never gave them or any company written consent to exchange, give, report or falsely 15 USC1692 j furnish any deceptive reports or forms. I was denied a home, vehicle transportation to get to work, unable to receive services, and turned down a job offer due to defamation of character due to their inaccurate reporting and false reporting I have severe injury. They have also sold my information to other 3rd party companies and branches without my written consent as well. I the Consumer XXXX XXXX Natural person advise that XXXX, Transunion, and XXXX, XXXX out all accounts on the or in the credit file or consumer report whatever their specific terminology proceeds as I advise the company to follow such instructions or pay remedy at {$1000.00} per minute on every account that is not corrected by my instructions and kept on my consumer report paid in good standing. 
15 USC 6821 Privacy protection for customer information 15 USC 1692 f Unfair Practices 15 USC 1692 e False and misleading information

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 2021-10-11 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: OH

Complaint narrative:
I have reached out to the bureaus about the numerous violations that have been furnished on my consumers report. The bureaus are using unlawful tactics to obtain my private information. My consumer rights have been violated an the credit bureaus need to be handle accountable

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 2021-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
The account is at a {$0.00} balance and show that on the AES website, but all 3 credit bureaus are showing a balance, this was resolved in XX/XX/2020, thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Possible Financial Inc
State: TX

Complaint narrative:
I apply for a loan in the amount of {$75.00} back on XXXX and I paid it off on time and now its still reporting as a 30 day late payment with XXXX and possible finance said they will remove it off my file and it been a month so far and I send them documents and money orders and paperwork from XXXX XXXX so I technically send {$75.00} twice and this loan is still reporting late as of XX/XX/2021 and I no longer want to borrow from them again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I wrote XXXX, Equifax & XXXX a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Creditor : US BKPT CT OH XXXX My Method Of Verification request was received by you on XX/XX/XXXX XXXX ( proof of service attached ). They had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my requests or notices. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist. I mailed certified mail a " Non Response/Intent To Sue '' letter to XXXX, Equifax & XXXX , which was received on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX respectively ( proof of service attached ). XXXX, Equifax & XXXX are in violation of my rights under FCRA in their duty to respond appropriately to a request for Methods Of Verification. Additionally, by not responding at all, they have tacitly agreed that proof of the account in question does not exist and therefore can not be verified. Per the FCRA, if a disputed account is not verified, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: CT

Complaint narrative:
CARMAX AUTO FINANCE ACCOUNT XXXX AMT OWING {$2900.00} THEY REPORTED ME LATE XX/XX/XXXX AND XX/XX/XXXX. I LOOKED INTO BOTH PAYMENTS AND THEY WERE PAID BEFORE THE 30 DAY MARK. CARMAX WAS NOT POSTING MY PAYMENTS AND GIVING ME CREDIT ON THE DAYS I PAID, THERE WAS MULTIPLE DELAYS FROM THEM POSTING PAYMENTS FROM THE DAY THE ACTUALLY RECEIVED WHICH LEAD TO THESE 2 PAYMENTS BEING LATE. THEY INVESTIGATED A FEW OTHERS FOR ME THAT WAS LATE AND CORRECTED THEM BUT THESE 2 HAVE YET TO BE CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX I ordered a dumpster from XXXX XXXX to be delivered XX/XX/XXXX. When the dumpster didn't arrive, I called XX/XX/XXXX to cancel the order. On XX/XX/XXXX a dumpster arrived at my home. I realized I had given the company my Citi card number,, so I called Citi Card immediately and discovered XXXX had charged my account {$620.00} on XX/XX/XXXX even though they had quoted a charge of {$450.00}. I asked Citi card to dispute the charge. 

The dumpster was blocking the door to my barn and part of my garage. I called XXXX to have it removed. When they didn't remove it, I was very frustrated so I called Citi Card a second time to reiterate that they should not pay XXXX XXXX. 

It wasn't until I got my Citi Card statement that I discovered instead of continuing the dispute Citi card had canceled it and paid XXXX dumpster {$620.00}. Citi XXXX said that once a dispute has been canceled it can not be reopened. 

I contacted the XXXX XXXX XXXX and made numerous calls to XXXX. Finally they said they would refund my money. They sent {$450.00}, not {$620.00}, to Citi Card. I have tried to contact them numerous times but they do not answer my calls or respond, so I am still missing {$160.00}. 

I feel Citi Card is responsible for this problem. I can not understand why they canceled the dispute. I can only guess that their employee was not proficient in XXXX and didn't understand me when I called to tell them to not pay 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 explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHALLENGE FINANCIAL SERVICES
State: FL

Complaint narrative:
I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : CHALLENGE FINANCIAL SERVICES. I am demanding no further communication, return of property OR assest/monies recovered from my account private and public ledger journal entries showing such.In regard to the COLLECTION this alleged debt Mr. XXXX tries to extort a form of monetary payment as a last chance " offer ''. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. This company has gas violated FCRA by reporting " charged off '' when the debts was already paid upon signing and extending my credit to company.. XXXX, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial has reported the same account in collections 3 times. It's the same account. I have successfully disputed and had this account removed from my credit before while it was with another debt collector. It isn't mine, and they are not allowed to report the same account multiple times. This violates the FCRA. I have screenshots of multiple credit monitoring companies showing this was reported 3 times within 2 weeks. It dropped my score every time, and the account isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: GA

Complaint narrative:
15 U.S. Code 1692 consumer im not obligated to pay any debt. 

The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency. Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 


XXXX XXXX Account number - XXXX Amount - XXXX date opened- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number - XXXX Amount - XXXX date opened -XXXX  XXXX XXXX  XXXX XXXX  XXXX Account number - XXXX Amount - XXXX date opened - XXXX XXXX XXXX XXXX XXXX  Account number XXXX Amount XXXX date opened 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 explanation