vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC
State: NV

Complaint narrative:
I was initially contacted by the debt collector Yesterday XX/XX/22 regarding a credit card debt and was offered a settlement amount with a website address. As soon as I logged into the website to view the settlement, my phone was inundated with phone calls from two different numbers and texts to pay. I started receiving nonstop calls and texts regarding the debt, one as early at XXXX am. PST. After explaining I need to load my prepaid debit card to pay the settlement, which I would do soon they began constantly texting and calling, threatening to call my relatives and my place of employment. I explained they were in violation of the FDCPA by contacting anyone but me with good contact information, and to please discontinue the text conversation. I continue to receive texts telling me it is going directly to the recovery department I need to pay now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am disputing a credit reporting action with U.S. Bank Home Mortgage. 
I sent a letter to U.S. Bank, Attn : Credit Bureau XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. XXXX dated XX/XX/2022. Their return letter stated that my letter was an " insufficient information request, and gave me a list of required information. The letter from U.S. Bank was completely unresponsive as all the information they required was in the body of my letter or in one of the six Attachments. Their return letter gave a general automated phone number. A U.S. Bank rep stated that the Credit Bureau Reporting does not receive incoming phone calls.

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 2022-05-13 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, has violated all 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 2022-05-13 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated all 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
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
I have a fraudulent account listed on my credit report, called XXXX XXXX, which date was opened on XX/XX/2018. I have disputed this fraudulent account with Experian and they have not removed this account from my credit report and Experian and XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent account immediately and if it is not removed, then I will be filing a lawsuit against Experian and XXXX for not removing this fraudulent item from my credit report. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account. Also, I have attached a copy from the creditor verifying that they have removed this fraudulent item from my credit report. Therefore, I am uploading additional documentation which is related to my dispute.

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 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Balance {$1300.00} Highest Balance {$1200.00} Reported : XXXX. XXXX, XXXX  Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXX Account # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section2 : 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 2022-05-13 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-13 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
My complaint is on how TD Card Services handled a disputed charge on my credit card, and refused to assist in resolving the charge. 

On XX/XX/XXXX I had purchased a gift certificate to a business which the owner subsequently died and received no product or service. On XX/XX/XXXX I contacted TD Card services to dispute a charge. I received no communication with TD Card services until XXXX hurried voicemail left XX/XX/XXXX. I did not immediately return the voicemail, as at first I could not hear it and thought it spam. On XX/XX/XXXX I received a letter asking for documentation about my dispute. I prepared a letter documenting my steps to resolve with the merchant, supplied copy of certificate, card slip, and mailed back to TD Card Services on XX/XX/XXXX. On XX/XX/XXXX I returned the voicemail left XXXX. The representative confirmed the information I mailed had been received and nothing further was need from me. On XX/XX/XXXX I received a letter from TD Card Services stating they were closing the dispute as they were unable to contact me. On XX/XX/XXXX I spoke with a TD representative. The representative claimed that I never mailed the documentation and never returned the call. When I explained I returned the call on XX/XX/XXXX the representative disputed that, despite I could clarly see the outgoing call listed on my phone. It was clear TD Card Services refused to help. The representative stated if I mailed the materials again, the XXXX " might '' reopen the case, but there was no guarantee they would. Concerned my dispute was not going to be resolved and to protect my rights, I filed a claim against the merchant 's estate myself on XX/XX/XXXX. I then contacted TD Card Services to inform them that I had done so. I asked what documentation they might need on file in case it turned out consumer protection laws were still applicable to the purchase ( e.g. if it was discovered in the future the merchant had committed fraud, etc ). The representative indicated TD didn't want documentation or info, and that TD Card Service would refuse to assist in a future dispute of the charge. I ended the call realizing TD Card services would not protect my interests in disputed or fraudulent charges. As a result I have decided to close my account with TD Card Services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 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:
n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 2022-05-13 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:
in accordance to the Fair Credit Reporting Act and XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my 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 2022-05-13 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: GA

Complaint narrative:
In accordance with the fair credit reporting at 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 2.

It also states a customer reporting agency can not furnish a account without my written instructions. 

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 explanation
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
In accordance with the fair credit reporting at 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 2.

It also states a customer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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:
CFPB Write up n accordance with the Fair Credit Reporting act 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 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 2022-05-13 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:
CFPB Write up n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OK

Complaint narrative:
I received an email from Fed loan approximately 4 weeks ago my XXXX loan was transferred to Oklahoma XXXX Heartland ECSI. For the last for 4 weeks, I tried to work with XXXX XXXX department, I had set up a payment plan with XXXX XXXX to make {$70.00} a month for all my loan based on my check stubs and size of my family and my XXXX son who is XXXX. But XXXX XXXX transfer my account to ECSI. I never received any thing from XXXX or ECSI. They notified me by my credit they put a large amount on my credit. I contacted they, filled out an economic hardship deferment, sent them documents of my paycheck stub, which is only {$2000.00} a month, and sent them documents of my XXXX son and he takes half of my income. I set up a payment plan with them, but they denied my application and payment plan {$50.00} a month, and they say even though I make {$50.00} a month they will continue to put it on my credit with interest till it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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