vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that TRANSWORLD SYSTEM INC properly investigated this account because there are obvious inaccuracies. 

The date of the last activity does not match. XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off The Date of the last payment missing. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported TRANSWORLD SYSTEM INC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too TRANSWORLD SYSTEM INC has also Violated XXXX. XXXX. XXXX  XXXX. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising XXXX. XXXX XXXX XXXX where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX accounts has violated my rights XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Setion 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 2023-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I continue to be contacted about this debt that is originally from Original Lender : CITIBANK N.A. 
Account Number : XXXX, who has sold the debt to apparently everyone, and I settled with XXXX XXXX back in 2020. I have attached a new letter from them under their mediations department/legal arm. All I know is that there is some company in the valley that keeps sending more and more companies to threaten me. At this point I am ready to plead my case in front of a judge. 

I keep getting threatening calls about once a month and I am really feeling like I am being stalked and harassed. I am a XXXX Veteran with a XXXX XXXX and it is affecting my mental health. How do I get this to stop. I paid what I negotiated back in 2020. I am now being told that XXXX is fake, and all sorts of other lies. ( XXXX has done nothing wrong and have been excellent ). 

Please help me in this matter, perhaps you can find out whom the original buyer that holds the debt that keeps trying to get more money out of me and get that person ( s ) to stop harassing me. 

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 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2023 I sent out a dispute letter to Transunion disputing multiple items that I had discovered on my credit report to be inaccurate. I have yet to receive any form of communication from the credit bureau that an investigation has been opened per my request to reinvestigate these items in question. Under Federal Law, the credit bureau has 30 days to complete this investigation which they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Trust Management LLC
State: CA

Complaint narrative:
On XX/XX/23 at XXXX I received a phone call from someone named " XXXX XXXX who did not disclose his name. I called back and was told that was his name. The number that called me was XXXX. When I called back, I was told it was an answering service. This person stated that he represented " Global Trust Management '' and was asking me to identify personal information. I informed this person that I am at work and would need to discuss this afterwards. I also asked the person to identify themselves, that I am a victim of identity theft and that my information was on the dark web and therefore, I can not confirm or deny any personal information at this time, until I could verify them. He then said, I'm going to advise my client to move forward. He threatened action because I did not verify with him and he did not verify with me. He kept speaking over me, did not give me any verifying information of the company. He threatened me twice with " I'm going to tell them to move forward. '' I don't know what that means. I don't know if this is a scam. I have not received any written notification of any debt. I would like to file a complaint in regards to the language of the caller and the manner that the call was being conducted as well as the threat to tell someone to move forward. Move forward with what? That's very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: GA

Complaint narrative:
Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Transunion regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information. Through XXXXXXXX XXXX " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file XXXX XXXX XXXXXXXX # XXXX ). 

I later submitted this same information to Transunion for review ; once again they have failed to acknowledge " documentation '' from their own provider source. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Transunion ). I need copies of the documents you claim to use to verify for review only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2023 I sent out a dispute letter to Equifax disputing multiple items that I had discovered on my credit report to be in accurate. I have yet to receive any form of communication from the credit bureau that investigation has been open per my request to re-investigate these items in question. Under federal law, the credit bureau has 30 days to complete this investigation which they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
I am requesting that the account XXXX XXXX XXXX XXXX is removed from my credit report due to unverifiable information. I sent a letter to the creditor and submitted a complaint through CFPB and this account has yet to be verified. This account was to be removed while an investigation was conducted but it was never removed. Now it has been 2 months since my initial dispute and this account still has not been verified so how are the 3 credit reporting agencies reporting this account as accurate? The complaint number for the dispute that was sent in XXXX through CFPB is XXXX. I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting that the account XXXX XXXX XXXX XXXX is removed from my credit report due to unverifiable information. I sent a letter to the creditor and submitted a complaint through CFPB and this account has yet to be verified. This account was to be removed while an investigation was conducted but it was never removed. Now it has been XXXX months since my initial dispute and this account still has not been verified so how are the XXXX credit reporting agencies reporting this account as accurate? The complaint number for the dispute that was sent in XXXX through CFPB is XXXX. I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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:
TransUnion is not during an investigation they are using non verified records as XXXX XXXX has stated to me the disposition of this case is closed because a Discharge was not applicable in this case because I was granted a XXXX  XXXX discharge in XXXX. And by law you cant be granted another discharge until 8 years. The disposition of the XXXX case was closed without entry. You will find both orders attached to this complaint that I have mailed and sent to CFPB several times in regards to this matter. 
I am filing this complaint because for almost a year I have been filing disputes with TransUnion in regards to the inaccurate information that reporting in my public records, I filed a petition for bankruptcy in XX/XX/XXXX but my potion was denied due to I was just granted a discharge in XXXX and by law they could not give me another, so they denied the discharge and closed the case without a order entry. TransUnion has been harming my credit and going against the law I have spoke with TransUnion Several times in regards to this issue and it was stated to me that the order and certification from the court they were not going to except. I have disputed this issue With XXXX, and XXXX Consumer center the third party agency that they used. XXXX removed this information from my file on XXXX XXXX and they gave confirmation to TransUnion and they ignored the facts. On XXXX XXXX XXXX XXXX XXXX was completing their investigation and they stated to me in an email that yes in fact that they had provided inaccurate information to TransUnion and they were going to make them aware. Now how is it everyone can get this issue corrected but TransUnion. I will be attaching the court order and the certificate document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. So, please remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I was contacted this morning around XXXX by the portfolio recovery associates # XXXX. The caller poorly informed me/refused to tell me who they were or why they were calling until I confirmed who I was. After I did, they went straight to telling me about a debt they were trying to collect, of which is a credit card debt that can only be from more than 6 years ago. My credit report doesn't even show it anymore, it has been written off completely ( I verified this with two companies ) In others words PRA is still trying to collect old debt that isn't even legally due anymore. I also found it incredibly rude that they refused to they me who they were before I " verified '' who I was. I didn't want information other than who they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Credence Resource Management XXXX has placed a collections account with XXXXXXXX XXXX XXXX on my credit report which is false. I called Credence on Friday, at this point I had no idea what the collections was for or regarding. XX/XX/2023 because they had placed an account with XXXX XXXX on my credit report I explained to Credence representative that I have never had an account with XXXX XXXX, they stated it was from XXXX XXXX, which I also have not had. I asked about correspondence and why I have not received phone call or a bill and they stated they emailed me in XXXX, which, if they did it wasn't on my email. They stated they received the account in XXXXXXXX XXXX XXXX, sent an email in XXXX and placed it n collections on XX/XX/2023. After continuously going back and forth with the supervisor on Friday evening, who was trying to do everything he could to get payment or a small payment and a payment plan he kept telling me if I made a payment it would be off my credit report in 14 days. I knew this was untrue and ended the conversation. I called XXXX XXXX today, XX/XX/2023, to inquire about the collections. The representative took my information, and him and a supervisor looked at history and current accounts and verified I owed nothing and there was no account under my name at all in there records. I now have a collections on my credit report for {$520.00} that has caused my credit score to drop XXXX points in the midst of trying to find a home by XX/XX/XXXX and they check my credit score for approval. Please advise me of any steps I need to take from here and how to remove this from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief