vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX reported incorrect amount. I attempted to dispute it on Credit Karma and I got no results.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( XXXX ) owed are no longer outstanding for the following items : Party Owed : I XXXX XXXX Amount : {$800.00} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off 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 explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am writing to dispute this debt. The law says I must do so in writing. However, the letter from Transworld Systems does not include the address for XXXX XXXX XXXX, the contact listed in their letter. There's only a phone number. Would you kindly provide an address so that I can write to your contact? 

In response to said letter : Transworld systems did not provide verification of the debt. As the debt collector, Transworld Systems should only pursue debts they can verify. XXXX, the original creditor is in possession of documents and records of conversations between myself and their corporate offices : XXXX XXXX, XXXX XXXX and their billing department that proves I do not owe this debt. 

This debt can not be verified if Transworld Systems does not request from XXXX, and XXXX produces a full disclosure of all documents and communications pertaining to this debt they claim I owe. I am asking Transworld Systems to kindly request all said documents and communications from XXXX. 

As I stated in my original complaint through CFPB, XXXX sold me faulty equipment, refused to correct the problem for months. During these months, I did not receive the Internet service I was paying for. When XXXX finally fixed the issue, they then " upgraded '' my service without my informed consent. This shady business act led to an increase in my bill. I do not owe this debt and in fact, XXXX owes me for services I paid for, but did not receive due to their faulty equipment. 

Continuing to pursue this debt without obtaining full disclosure from XXXX of all the documents and communications related to this debt would be an unfair assumption without all the facts, and would not constitute verification of this debt. 

Additionally : I kindly ask that In the pursuit of this debt, Transworld Systems contact me only in writing and at the address submitted through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In 2019 {$860.00} was taken from a credit card extended by XXXX XXXXXXXX XXXX 
To which time I was XXXX in Federal prison making this an impossibility. 
Someone fraudulently used my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: WI

Complaint narrative:
I have no recollection of this debt, it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I scheduled my second loan to paid off on XX/XX/2023. The loan was {$3500.00}. The payment was reversed but I never received an email or any other notification stating that there was an issue. Had I not logged into my account then I wouldnt have known that it had been reversed. The bank information I entered was correct because it was the same information I used to pay off the other loan on the account on XX/XX/2023. I specifically wanted to take advantage of not paying any interest on my loan, but since they reversed the payment I have to pay interest. I resubmitted my payment in full including the interest because I want to avoid more interest being added on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Unauthorized hard inquiries from: 

Santander consumer
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have received a copy of my credit report " XX/XX/2023 '' and there are several wrong personal identifiers in the file ( address, employer and name ). This will keep jeopardizing my identity if they are not changed immediately! I want all inaccuracies removed as soon as possible please before any bad consequences happen to me because of these incorrect things, it is really harming my life. I've been trying to get my information updated for over 3 months now but never got results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to request the immediate removal of certain information from my consumer report, which has been identified as a result of identity theft, in accordance with 15 U.S.C. 1681c-2. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report, and I believe they are inaccuracies resulting from identity theft. 

As required by law, I am enclosing the following documents to support my request : A copy of my identification ( ID ) to verify my identity. 
A copy of the Identity Theft Report issued by the Federal Trade Commission ( FTC ). 
A detailed statement specifying the information I want to be removed from my consumer report. This includes [ describe the information such as account names, account numbers, or any other relevant details ]. 

ACCOUNTS & ACCOUNTS NUMBERS XXXXXXXX XXXX  : Account Number : XXXX Date : XX/XX/2021 XXXX XXXX : Account Number : XXXX Date : XX/XX/2021 A sworn statement, under penalty of perjury, confirming that the identified transactions are not related to any transaction made by me as the consumer. 
Under 15 U.S.C. 1681c-2, I understand that you are required to block and remove this information from my consumer report within four days from the date of receipt of this notice. I expect prompt compliance with this statutory obligation. 

I kindly request that you provide me with written confirmation once the requested actions have been taken, and the information has been removed from my consumer report. 

Your prompt attention to this matter is appreciated, as it is crucial for the protection of my credit and personal information. Thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
According to a letter I received from Equifax, they were unable to locate a XXXX XXXX for me. The stated reasons were : You have not applied for credit recently. You have not actively used credit in the past 10 years, or You have not lived in the United States or have not been issued a XXXX Social Security XXXX. 

This is the second time they have been unable to locate a Credit profile for me despite identifying information being sent through this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Unauthorized hard inquiries from : One Main Financial XXXX 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 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Hi I really need your help. I was fraudulently charged on my card after I closed my account. A Goldman Sachs employee confirmed my account is closed and no further charges will be incurred. Today, I received a delinquent notice from the credit bureaus. I really need help with removing this late report because I am in the process of buying a home. I need to report employee fraud as this was extremely troubling and fraudulent

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Unauthorized Hard Inquiries from : 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 2023-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: WI

Complaint narrative:
I do not have any recollection of this debt and this debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refuses to remove XXXX outdated addresses instead continuously note per their investigation results have been updated. Ive called and submitted electronically request and every single time the addresses remains on my profile. Got the past XXXX years I update my consumer statement my identity was stolen and freeze my credit. I recently received a check from an XXXX XXXX address I lived at years ago. XXXX XXXX address I moved from XXXX years ago went into forclosure currently owned by a new family. The XXXX address I moved from XXXX years ago. Finally the XXXX address I moved from XXXX years ago. And still on my credit report. I explained to numerous live agents the XXXX addresses are outdated and inaccurately reporting on my profile. Im still receiving mail from XXXX of the previous addresses and now every tenant or owner has my unique name. Ive been subjected to several privacy breaches and had my identity stolen several times. For the past year and a half Ive reached out to Experian to remove the outdated addresses but for some odd reason them removed the other addresses but fight me each turn to remain the final XXXX above addresses. This error effects my credit, impact credit worthiness, and I suspect tied to XXXX accounts they refuse to remove although the accounts are closed well over XXXX years ago. The other complaints are XXXX XXXX closed over XXXX years ago, never late, was not a result of credit, its not a loan, its closed, its not a collection, it shouldve never been reported on my profile. The open date XXXX is incorrect opened in 2012, the monthly amount is inaccurate also, and per the 15.U.S.Code1681 ( b ) b protected me from this sort of violation. Has nothing to do with my credit plus this civil family matter is over XXXX XXXX XXXX and has negatively impacted my work, credit, and personal life. XXXX XXXX XXXX is well over XXXX XXXX XXXX yet Experian refuses to remove it mark it as new account recently then removed the language so for a decade plus my scores has suffered because I have a sold closed account with a {$0.00} balance and a high balance simultaneously reflected on my account. Its under investigation with them again for the umpteen time but I never received proof or logical or legal fair credit reporting action or proof how they keep updating my credit report. XXXX XXXX XXXX and XXXX XXXX XXXX is over XXXX XXXX XXXX no reason to not remove them. Instead updates to keep reporting child support until XXXX. Thanks for your timely resolution.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Bank XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Reporting act ( XXXX XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Reporting act ( XXXXXXXX XXXX XXXXXXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Reporting act ( XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Reporting act ( XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Unauthorized hard inquiries from: 

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Unauthorized Hard Inquiries from : 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