vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX. I contacted the original debtor XXXX. They verified the account was closed on XX/XX/XXXX. They sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX REAGED the debt which is illegal to XXXX XXXX and this date is stated on my credit report with all three credit reporting agencies. XXXX XXXX XXXX stated on XX/XX/XXXX that they received the debt on XX/XX/XXXX and that was incorrect when XXXX still had the account and it wasn't closed until XX/XX/XXXX. They clearly reaged this debt!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NY

Complaint narrative:
XXXX has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. XXXX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with XXXX responded that an investigation with the furnisher has been initiated and I should wait for their response XXXX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action XXXX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( 2 ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. XXXX HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX XXXX and etc.

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 2022-02-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. XXXX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with XXXX responded that an investigation with the furnisher has been initiated and I should wait for their response XXXX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action XXXX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( 2 ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. EXPERIAN HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX XXXX and etc.

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 2022-02-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
XXXX XXXX XXXX By mail in XX/XX/XXXX about a debt they alleged I owe. I sent out a letter in response XXXX, XXXX to validate this debt I allegedly owe, because I didn't know who this company was and I have no contract with them. They responded on XXXX, XXXX, XXXX with private medical information and procedures that is in direct violation of HIPAA that I never at anytime authorized them to have or share! They also responded on XXXX, XXXX, XXXX. The communication on XXXX alleged I owed {$300.00}! The communication on XXXX alleged I owed {$160.00}. Both threaten reporting to credit bureaus. This debt has already been reported prior to the communication between them and I. Some damage to my credit has already accrued. My private medical information was sold to this third party by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO. XXXX '' to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX '' without my knowledge or authorization. Violating my privacy rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This account was opened by my ex husband under my name during our divorce. And refuses to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/2022, I used Citibank 's " Pay Bills '' online banking service to remit a payment to my landlord for that month 's rent, in the amount of {$1600.00}. 

I input my landlord 's name, her physical mailing address, and the check amount. I did not enter any electronic banking information. Citibank 's bill payment service allows you to enter a payee 's name and information, and the bank will mail out a physical check in the amount ( s ) indicated to settle the bill.

For my landlord, Citibank 's system indicates specifically that " this payee will be paid via check sent via US mail to a US mailing address. Please allow at least 5-7 business days for payment to be received. '' Later in the month, I was alerted by my landlord that she never received the check. I called Citibank customer service to inquire, and they walked me through the transaction. The bill payment transaction shows a status of " paid '' as of XX/XX/2022. However, I only ordered the check on XX/XX/2022. 

The customer service representative explained that " paid '' means the check has been cashed. How is it possible that a physical check was ordered, printed, mailed, and cashed all within one day? This is not physically possible. The representative acknowledged that.

The representative suggested that it was possible Citibank electronically transferred the funds. But I never provided Citibank with any electronic banking information, so how did they know where to transfer the funds to? I called my landlord, and she said to me that she hasn't received the funds electronically, either. I asked her to double check on the specific date mentioned ( XXXX XXXX ), she confirmed that she received nothing. 

Where did Citibank send my money? I did not authorize any electronic transactions, nor did I provide Citibank with any electronic banking information. How is it possible Citibank, of its own volition, initiated an electronic transaction without my authorization, apparently to a complete stranger? 

My landlord needs her rent money. I need my bills paid. Citibank needs to rectify this ASAP. I called them and the best they can do is " investigate, '' with no clear timetable for completing the investigation. They refuse to credit me any funds in the meanwhile.

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 2022-02-15 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: MI

Complaint narrative:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 2022-02-15 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: NM

Complaint narrative:
XXXX XXXX I called XXXX XXXX I didn't realize it was closed XXXX XXXX I had this account open for over 6yrs I was trying to keep it opened to establish my credit and didn't know I had to reapply fir credit card are count against my credit score. Please remove hard inquiry from my report are anything else.and reopen my account with XXXX XXXX thank you 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 2022-02-15 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: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 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: FL

Complaint narrative:
Submitted a dispute on XX/XX/2022 which was fraud related. Per 605B, Ive supplied my SSN, Passport, and FTC complaint. Experian has acknowledged that they reviewed/received all documents and they ARE VALID. However, they have refused to comply with the standards and guidelines, per the FCRA & FTC. This has caused hardship, aggravation, and stress. I have been overwhelmed by staying on the phones XXXX & XXXX hours at a time since XX/XX/2022. Experian has received updated documents and I have completed everything outlined in the policies according to both Federal law and Experian. They have advised that XXXX will have 30 days to respond. In actuality, Experian only had 4 days after they received the documents to remove, block the items and THEN notify the data furnisher. They have instead sent a copy of my SSN card, and passport to the XXXX party.

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 2022-02-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent letters to XXXX XXXX XXXX asking them to show proof of validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX. NOT who they have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). They responded and could not prove that i indeed owe a debt to XXXX XXXX XXXX. They are collecting for a company I have business with not them. With no signature of mine with XXXX XXXX XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union credit reports has new personnel across the ocean that lies, doesn't do what there company objective is and doesn't do proper investigation even if it is right in front of their hardly speaking XXXX selves. 
XXXX. XXXX XXXX on XXXX put Hard Inquirey on my credit report even though there was a credit freeze. 
XXXX. I called Transunion up and hardly could understand American credit reporting agencies personnel that valiantly lied then hung up phone. I called back and told them it would be impossible to out inquire in file because it has been frozen year 's. Then they demanded police report but police laughed when I called them and told them indians from XXXX hung phone up and demanded police report for hard inquiry that should have been impossible to out on. Finally I demanded fcra investigation section 609 and 611. Of course they didn't know what fcra was? XXXX should be embarrassed to have XXXX representing them. They are bottom feeders. I want this hard inquiry off or the step by step investigation that is federal and state law.

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 2022-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I took out a personal loan back in XX/XX/2019 amount given to me directly was {$5000.00} when I applied for this loan I was not aware of their hidden high interest fees plus this company added insurance to the loan. It has been 3 years now paying every month {$210.00} and until todays date still paying for it. I have made a research about this company and all I have heard there is a lawsuit against them and I want to be part of that lawsuit agains them. How can you help me they are really taking advantage of consumers. I have called them to speak with someone about it and all they tell me is to keep paying but I just cant be giving them more free money for their high interest fees. I am not happy with it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing you this notice to update the information in my consumer report. See below for my accurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent letters to XXXX XXXX XXXX asking them to show proof of validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX. NOT who they have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). They responded and could not prove that i indeed owe a debt to XXXX XXXX XXXX. They are collecting for a company I have business with not them. With no signature of mine with XXXX XXXX XXXX. Account # 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 2022-02-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is showing inaccurate MISSING information on my Credit Report. My credit report is completely blank for some odd reason I was a victim if Identity theft late XXXX. 
Mailed about this issue on XX/XX/XXXX regarding this issue they have not responded or taken care of my report. My Equifax does not show any score and is completely blank compared to the consistency of my XXXX reports. 
Equifax have not responded to my issue. I have mailed them all the information needed. Equifax is not consistently reporting my secured installment loans and other open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union credit reports has new personnel across the ocean that lies, doesn't do what there company objective is and doesn't do proper investigation even if it is right in front of their hardly speaking XXXX selves. 
1. XXXX XXXX on XXXX put Hard Inquirey on my credit report even though there was a credit freeze.

2. I called Transunion up and hardly could understand American credit reporting agencies personnel that valiantly lied then hung up phone. I called back and told them it would be impossible to out inquire in file because it has been frozen year 's. Then they demanded police report but police laughed when I called them and told them XXXX from XXXX hung phone up and demanded police report for hard inquiry that should have been impossible to out on. Finally I demanded fcra investigation section 609 and 611. Of course they didn't know what fcra was? Transunuion should be embarrassed to have XXXX representing them. They are XXXX XXXX. I want this hard inquiry off or the step by step investigation that is federal and state law.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing you this notice to update the information in my consumer report. See below for my accurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation