vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

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 XXXX. 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 .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 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 year old 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Multiple Dispute Letters sent XX/XX/2022 to XX/XX/2022 Last Response From Acima Received XXXX/XXXX/202 By law I XXXX XXXX the consumer, sent XXXX notices to XXXX by mail about the inaccuracy of the accounts below. XXXX was given the opportunity to correct and produce all general disclosures required by law XXXX. In response XXXX responded to correct errors on the account, however Acima has failed to provide any disclosures 15 U.S. Code 1638. Disclosures are in fact a part of the accuracy of each account. Acima policy to report the consumers non public information is only applicable if all the disclosure requirements have been met by law. XXXX has reported my non public information to non affliated thrid parties without consumers consent 15 USC 6802. Acima failed to comply with requirements of the laws above that fall under Contract Law, State Law, Federal Trade Commission, and Consumer Financial Protection Bureau. 

ACCOUNTS : XXXX Alleged Balance {$770.00} 15 months negative reporting Total {$890.00} XXXX Alleged Balance {$800.00} 15 months negative reporting Total {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC
State: WA

Complaint narrative:
I took a loan out through denefits for some medical appointments. I was 3 days late in paying and they text messaged me and called me repeatedly saying they already told the credit bureau. After I told them they were harassing me, they started to text and call from. Different numbers. I haven't been able to pay because I was unable to finish the medical appointments, my daughter 's XXXX XXXX passed away and I no longer get child support or any support, I am on XXXX and tried to explain this but they continue to harass me, I have all the texts and emails but they keep saying they have mailed me via notarized mail but I haven never received any mail whatsoever from this 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hi I am writing to complain about this negative items I have on my report. I sent you a letter over 2 months ago. And I thought I was supposed to get a response from you, but I still haven't got any. So I came to this website to seek help. With the hope that this time you would take care of my issues and investigate those negative items that I have in my report. Here I am attaching the same letter that I sent you three months ago. I've been joining online forums about credit repair and consumer rights. That's how I found this website because I was told that this will help me reach your organization.

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors
State: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have requested verification or validation of this medical debt in question that's on my report. I have not received verification from the collection agency. It also appears that the collection agency did not report the validation or verification request to the bureaus as required under the FCRA and FDCPA. 

On XX/XX/XXXX I requested for the fourth time documentation including HIPPA release information about this debt.

I do not recall giving the original creditor permission to release my medical information. National Business Fact has failed to do that currently. I also still see on my credit report attached that has not been reported to the bureaus still as disputed I see multiple violations here and this needs to be public information. Please see evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
please clean my name documents in pdf thanks

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX should be the only address on my reports.

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
This is an erroneous collection by XXXX XXXX XXXX. This account was before the XXXX XXXX XXXX  XXXX XXXX XXXX district that was placed by XXXX XXXX XXXX filed in XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX transferred it to National Credit Systems XXXX the account number. 

The XXXX Judicial Court, in XXXX XXXX, MO, was not finished with the case when XXXX XXXX XXXX transferred my account to a collection agency. 

The case was dismissed by the court on XX/XX/XXXX, by the court XXXX. 

All this time up until now, I have been denied to rent an apartment. 

So I reached out to the courts this month XX/XX/XXXX to let them know what was going on. The court reissued an order of dismissal again on XX/XX/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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi I am writing to complain about this negative items I have on my report. I sent you a letter over 2 months ago. And I thought I was supposed to get a response from you, but I still haven't got any. So I came to this website to seek help. With the hope that this time you would take care of my issues and investigate those negative items that I have in my report. Here I am attaching the same letter that I sent you XXXX months ago. I've been joining online forums about credit repair and consumer rights. That's how I found this website because I was told that this will help me reach your organization.

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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX, ACCOUNT NUMBER XXXX, XXXX XXXX, XXXX, XXXX, ACCOUNT NUMBER XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
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: FL

Complaint narrative:
I have contacted TransUnion In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( XXXX ) XXXX unauthorized inquiries that they are reporting on my credit report. I contacted the XXXX creditors XXXX XXXX XXXX  ( bank ) and XXXX XXXX XXXX ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On the XXXX of XX/XX/2022, i deposited {$100000.00} into my Comenity Direct now recently branded as Bread XXXX in order to benefit from their high APY of about 1 %. On XXXX of XX/XX/2022 my Comenity Direct was restricted. I called their customer service on the XXXX of XXXX and i was transferred to the Account XXXX XXXX and i was told to wait to hear from them. I have been calling every 2 weeks for the past 2 months and all they keep telling me is to wait for the back office and they don't know how long it would take. I am a XXXX XXXX XXXX woman and i am down with a XXXX. I put all my life savings into Comenity Direct in order to benefit from their high APY. As a result of Comenity Direct restricting my account and denying me access to my money my life has been unbearable for the past 2 months from sleepless nights and skipping on buying my XXXX medication because i just cant afford it. It is unfair how i am being treated by Comenity Direct.

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: TX

Complaint narrative:
I'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX  # XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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: TX

Complaint narrative:
I'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XX/XX/2022 I requested a balance transfer involving Citizens Bank. On XX/XX/2022, Citizens approved my request for a balance transfer but unfortunately sent the funds to an account that does not belong to me. On XX/XX/2022, I informed Citizens that a mistake had been made and that money had been transferred to an account that does not belong to me. During that call I was informed that the issue would be resolved in 3 to 5 business days. Despite numerous phone calls to Citizens, the issue has not been resolved. In late XX/XX/2022, I received a bill from Citizens informing me that I owed the bank the money that I had requested in the balance transfer. I reached out to Citizens on multiple occasions concerning this matter, and, to date, the transfer of funds never reached me. I am disputing that Citizens is requesting payments for money that I never received.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file, the items i need deleted are listed in the report. I sam a victim of identity theft. I demand that all of the items listed be removed to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately

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 — Account status incorrect
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
On XX/XX/2022 I had a inquiry to come on my XXXX account that I have any knowledge of. The inquiry comes from a company called cash central. I reached out to the company and they could not find my info anywhere in their system. I have never tried to take a loan out with them and do not have any open installments with them. Someone has accessed my info and tried to take a loan out in my name.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a FTC dispute letter and proof of identity to XXXX Equifax and XXXX on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX  XXXX  {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} XXXX DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for XXXX and XXXX and via fax for Equifax

Company response to consumer: Closed with explanation