vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: TX

Complaint narrative:
Checkr has completely blacklisted me in the gig economy. I tried to dispute an XXXX background report because they are reporting a deferred adjudication as a conviction. As a result of that request- despite the fact they claim to be investigated the matter and are upholding the report- they have now held up my report at all companies that use checker including XXXX, XXXX, XXXX, XXXX, and several others. They have effectively made it impossible for me to get work anywhere. This includes companies where they're not even reporting the deferred adjudication like XXXX and would return a norma, clear background report. 

As a result of checkers refusal to release my background reports I have not been able to find work anywhere and I'm going to be financially ruined. This one single company holds the power to be able to cause somebody to not get work anywhere in the XXXX economy. 

I have attempted to contact them multiple times they do not answer emails, and they do not have a way to call them by voice to reach a human being. 
You simply have to wait until they are ready or decide to reply. I guess there's nothing to be done until they decide to if they wish to release my records or comply with the law. I guess it's entirely up to them. However I do feel that people should know that this company is doing this to people, and they do not care. They're doing this to people who have no criminal convictions. They are doing this to people with clean motor vehicle records and who are actually qualified to work but can not since checkr refuses to let them. I'm sure this complaint will cause them to retaliate and delay my reports even longer, However I feel that people must know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MN

Complaint narrative:
The account in question has been disputed several times and XXXX XXXX XXXX has verified to Equifax that the account is accurate, XXXX XXXX XXXX  has failed to provide me with documents that I requested several months ago. This issue has been very inconvenient to deal with as no documentation has been provided to me. To this day the account continues to be reporting to my credit report. I would like Equifax to provide me all documents showing my signature on them showing me that I indeed have a debt with the collection agency claiming that I owe. If Equifax can not provide me with a signature documents, I request that the account be permanently deleted from my credit report. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization.

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App XXXX  509.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect this alleged debt. Coppola v. Arrow Financial Services, 302CV577, XXXX WL 32173704 ( D. Conn., XXXX XXXX  - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by you, the collection agency. 
As Im sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be aware that in TWYLA BOATLEY, Plaintiff, vs DIEM CORPORTATION, No. CIV 030762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONAXXXX XXXX the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: PR

Complaint narrative:
On XX/XX/XXXX I contacted Transunion about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$880.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX  ( Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$28000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$20000.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX and XXXX XXXX Account # 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 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 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I was with Td bank for 2 months whenever I switched to chase I asked them to transfer funds to my new checking account and close the old one they refused and keep on calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: GA

Complaint narrative:
I recently called Equifax at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. 

To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
I recently called XXXX at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. 

To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: GA

Complaint narrative:
I have requested an investigation regarding XXXX inquiry on my credit file that is being reported erroneously. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I have duplicate account showing with different account numbers but its the same account. It should be only one account with one reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.

Complaint narrative:
My card was locked and flagged for fraud due to calling in and trying to figure out how to set up a pin after I was not able to withdraw cash from an ATM with what I thought was my pin set up during activation. 

I was then on the phone for over an hour on XXXX XX/XX/2022 to unlock my card ( which was a mess in itself : citi on my home phone, dad on the cell through XXXX ), I was told the card was unlocked and was good to use again. On XXXX XX/XX/2022 I tried making a purchase and was denied again and was told to call Citibank. 

I am a U.S. Service Member XXXX XXXX XXXX XXXX XXXX  The first time I was able to unlock my card, I had to have citi send a verification pin to my father ( whos number has never even been associated with my account ) who is in XXXX XXXXXXXX who then relayed it to me. I cant do that every time and I dont have access to XXXX XXXXXXXX XXXX ( for example the most recent denial was at around XXXX XXXX XXXX XXXX XXXX XXXXXXXX, calling someone in XXXX  XXXX XXXX relay a verification PIN at XXXX in the morning is ludicrous ). Smaller banks than citi have figured out how to text verification codes to my XXXX number, I am baffled that citi doesnt also have such a service. I get it that citi has ~ $ XXXX net worth, but to complete refuse to service a select group, such as XXXX citizens XXXX  with no/extremely complicated or limited access ( through a family member or friend ) to a XXXX number , is crazy to me. 

Likewise, the solution of mailing the verification pin is not reasonable because the military mail system ( run through USPS ) takes exponentially longer than mailing in XXXX  XXXX. 

I am stationed in XXXX due to my service in the XXXX. I will be using my card around XXXX ( for at least the next XXXX years - unless I cancel because of this rigmarole ) and cant continue getting denied every time. 

This most recent denial ( XXXX XXXX ) resulted in an email being sent to me asking if it was my activity or not - to which I answered yes and then tried reprocessing. It was still denied after the citi website said I was cleared to re-process the payment Citibank either needs to figure out how to not lock my card unless I ask for it, or how to verify with numbers outside of XXXX XXXXXXXX this is ridiculous.

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 2022-04-09 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: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
XX/XX/2014 i was in XXXX  for a few days at the time this account had been opened, i spoken with the creditor and debt collectors along side with XXXX, XXXX and FTC. I'm dealing with different kinds of stolen identity issues and this is one of them i have not had the chance to verify my identity until i had spoken to the IRS regarding other issues including this one. i have followed the right steps, credit freeze etc. 




this document is my past of XXXX time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OR

Complaint narrative:
I am a victim of identity theft and i reported the theft immediately after learning of the theft. 
Through CFPB i have requested to the Creditor to provide me a copy of the application that was used to open the fraudulent account ( FCRA 609 ( e ).

Thus far the Creditor has denied my Rights under FCRA 609 ( e ).

I do know for sure that some of the information on the application that was used to open the fraudulent account is inaccurate to my identity. ( 1 ) The email that was provided on the application is NOT my email and never has been.

( 2 ) The phone number provided on the application is NOT my phone number and never has been. ( 3 ) The employer information submitted on the application is NOT correct because i have been XXXX since 2007 and on XXXX, no employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: CA

Complaint narrative:
A incorrect error was placed on my Experian, XXXX, and XXXX credit report that is saying I owe the XXXX  company called XXXX as back in 2015, A title loan from XXXX  XXXX XXXX, XXXX d/b/a XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as Experian, XXXX, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.

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 2022-04-09 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: CA

Complaint narrative:
A incorrect error was placed on my XXXX, XXXX, and Transunion credit report that is saying I owe the XXXX company called XXXX as back in 2015, A title loan from XXXX XXXX XXXX, XXXX XXXX XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of XXXX via XXXX mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my XXXX information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, XXXX, a nd TransUnion said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.

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 2022-04-09 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: CA

Complaint narrative:
A incorrect error was placed on my XXXX, Equifax, and XXXX credit report that is saying I owe the XXXX company called XXXX as back in 2015, A title loan from wheels XXXX XXXX, XXXX XXXX XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, Equifax, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
XX/XX/2014 i was in custody for a few days at the time this account had been opened, i spoken with the creditor and debt collectors along side with XXXX XXXXXXXX and FTC. I'm dealing with different kinds of stolen identity issues and this is one of them i have not had the chance to verify my identity until i had spoken to the IRS regarding other issues including this one. i have followed the right steps, credit freeze etc. 




this document is my past of XXXX time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the rights 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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