vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: NE

Complaint narrative:
In XXXX of XXXX, my partner and I moved out from our apartment, owned by XXXX XXXX  ( Of XXXX XXXX ). A week or two later, we were presented with a sheet informing of us the " damages '' done to the apartment, the flat costs for these fees.

We disputed this with the rental agency and asked for receipts of the cleaning fees and other such fees they directly paid, as is outlined by Nebraska Law. Specifically, Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421. 

Myself and my partner have both submitted disputes with all three credit bureaus regarding the illegal debt trying to be collected by Rent Recovery Solutions LLC. This has thus far been removed on both of our XXXX and XXXX reports, as the debt has no legal basis in the State of Nebraska, but still remains on both of our XXXX reports. If the majority of credit bureaus have already ruled that this debt is illegal in the State of Nebraska, as outlined by the law above, why does XXXX see fit to keep this illegal record on our credit reports? 

Additionally, Rent Recovery Solutions claims this debt on behalf of XXXX XXXX. We didn't rent from XXXX XXXX, we rented from XXXX XXXX. Second, how could the date of first delinquency for this account be XX/XX/2022, when that was our move-out date? How could it possibly be owed that same day, without first getting quotes from cleaning crews, repairs, etc, if necessary? Receipts that we are owed by law? Thirdly, when we sent a certified letter to Rent Recovery Solutions and they responded to us, without the verification of debt, asking us to call them for further questions. They violated the law, blatantly. Under the FDCPA, a collector must provide you with the information requested about the debt. NONE of that was ever provided to us by Rent Recovery Solutions. They have failed, at every step of the way. They list the wrong residence  company as the " original debtor '' on a debt not valid under Nebraska law, with the wrong first delinquency date, and violate the law while doing so. 

We have both disputed this directly with XXXX, XXXX, and XXXX. It only remains on our XXXX account, as it was " verified '' by Rent Recovery Solutions. Short of the receipts we were legally entitled to, which they never provided in the timeframe necessary for this debt to have any validity, which was never provided after repeated attempts at contacting BOTH XXXX  XXXX   and Rent Recovery Solutions for proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: UT

Complaint narrative:
I have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX points with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX  of each month. They only use XXXX and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX points based on the date reflected on the report they ran in early XX/XX/. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of Equifax looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX : I opened my account on XXXX XX/XX/. I didn't even receive and start using my credit card until XXXX XX/XX/. My usage was suppose to be reported 29 days later to the credit bureaus how ever my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though by the due date I had made a payment for the full balance. 

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 13 DAYS LATER after opening up the account.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  : I opened my account on XXXX XX/XX/. I didn't even receive and start using my credit card until XXXX XX/XX/. My usage was suppose to be reported 29 days later to the credit bureaus how ever my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXXXXXX XXXX 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though by the due date I had made a payment for the full balance. 

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 13 DAYS LATER after opening up the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX  : I opened my account on XXXX XX/XX/. I didn't even receive and start using my credit card until XXXX XX/XX/. My usage was suppose to be reported 29 days later to the credit bureaus how ever my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though by the due date I had made a payment for the full balance.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 13 DAYS LATER after opening up the account.

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 2023-04-23 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 sent a letter off on XX/XX/. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX To remove personal information that i do not want on my consumer file. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution can share my information to a third party company without my permission and or authorized consent. I never consented to have my private information shared with third party financial institutions and or companys. I was never given the opt out option by the companys either. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Company XXXX XXXX XXXX Address on credit report is XXXX XXXX XXXX XXXX DE XXXX Partial acct # of XXXX Has all of a sudden reported a collection on my credit report that I supposedly owe XXXXXXXX XXXX XXXX XXXX XXXXXXXX dollars starting XXXX XXXXThe Biggest problem with this is that I live in XXXX Georgia and have done so for 5 years, and i do NOT owe any XXXX company any Money . I Disputed this with the credit bureau and they did not do anything to check the legitimacy of this item .Nothing to remove this, as though it belonged to me. Like this could possibly be legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My now deceased ex boyfriend stole my information and opened 2 credit accounts under my name from Synchrony Bank in XXXX. I have disputed these with XXXX XXXX numerous times. They harass me constantly and I'm always having to block new numbers they call me from.

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 2023-04-23 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: UT

Complaint narrative:
I forgot to include this attachment to the bureaus in the list of 5 mentioned in the prior complaints. Couldn't figure out how to attach them after the fact. Please make sure they all get this to the complaint filed about XXXX XXXX It's their inaccurate so called corrections that don't show on my reports that lenders run.

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 2023-04-23 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: UT

Complaint narrative:
I forgot to include this attachment to the bureaus in the list of 5 mentioned in the prior complaints. Couldn't figure out how to attach them after the fact. Please make sure they all get this to the complaint filed about XXXX XXXX It's their inaccurate so called corrections that don't show on my reports that lenders run.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital has illegally reported XXXX  collection accounts to my personal credit reports. According to their own words, The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems ) can not sue you for it and we will not report it to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. I live in the state of Pennsylvania where the statute of limitations is 4 years. According to their own statement these unverified and unsubstantiated debts are already over this statute. 
I request that Jefferson Capital verify all of the following information Full original account number Date original account was opened Any written agreements between myself and the original creditor stating the amount owed Full account summary and itemized calculation the debt owed Date of first delinquency with original creditor Dates and times of any contact with myself trying to actually verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I dispute charges on my account was Denial a refund. Then I contact consumer finance.gov. After the 15 day I receive an statement saying my claim was denial. Then I was told on the Phone my account on hold. I told the customer service representative I didnt receive a written notification about this. The representative told me my direct deposit would be rejected on Wednesday XX/XX/. But on Friday XX/XX/ the direct deposit was deposited successfully. I ask for access to these funds they said no. And told me it could take 30 to 60 day for check that seems unreasonable. Citibank made the decision to put hold on the account. I should have access to my money before 30 to 60 day. I have rent to pay. I dont have extra money I live paycheck to paycheck. Citibank already let somebody spend my {$7800.00} at XXXX. That was my taxes refund money. I depend on my check every 2 week to feed my children and provide a place for us to live. I work for money need access to money now. Can you issue the check now not later?

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 2023-04-23 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: DISCOVER BANK
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 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: Lendmark Financial Services
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Dear Santander Consumer USA It has been brought to my attention that your company have reported this alleged debt as a loss on your tax return and have gotten a tax credit for it. My confusion is why is this still being reported to the consumer reporting agencies that I still owe this debt?? Your company have until the next 5 business days to delete this account off of my report. If not done within the time allowed I will file form 3949-A with the IRS & have your company reported. 

ACCOUNT # : XXXX Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

15 ISC 1681 Section602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also. States a consumer reporting agency can not furnish a account without 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.

Please remove all late payments from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$5900.00} Credence Resource Management ( opened XXXX ) {$1800.00} XXXX XXXX ( opened XX/XX/XXXX ) {$1000.00} In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions. 
Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX  XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation. 
The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  : I opened my account on XXXX XXXX XXXX. I didn't even start using my credit card until XXXX XXXX XXXX. My usage was suppose to be reported 29 days later to the credit bureaus however my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though I haven't even had a 1st payment due.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 10 DAYS LATER after opening up the account.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  : I opened my account on XXXX XXXX XXXX. I didn't even start using my credit card until XXXX XXXX XXXX. My usage was suppose to be reported 29 days later to the credit bureaus however my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though I haven't even had a 1st payment due.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 10 DAYS LATER after opening up the account.

Company response to consumer: Closed with explanation