vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 2022

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 2022-07-27 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: GA

Complaint narrative:
In XX/XX/2022, I received a copy of my Equifax consumer report and noticed a report of a public record. I sent Equifax a dispute letter notifying them of the error and demanded that it be removed. On XX/XX/2022, I received a credit update through the US mail stating they had completed there investigation of my dispute and " we verified that this item belongs to you. '' It also states above the results that Equifax obtained the public record item from " local, state and federal courts through third party vendor, XXXX. '' According to the FCRA, in order for Equifax to report the alleged US BANKRUPTCY COURT it would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX, whom Equifax states their public record information is obtained from, that they were not able to validate this alleged bankruptcy in accordance with federal law on neither their VERIFIED and NON-VERIFIED departments. Equifax has NOT properly investigated this account and is willfully reporting incorrect and inaccurate information on my report. Equifax is breaking several federal laws and committing fraud according to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ), and I HAVE NOT given any direct or indirect instruction to furnish any of my information. 
In addition to my proof of their willful negligence, I also explained to the representative I spoke with that this public record is only being reported by Equifax not the other 2 major reporting agencies, XXXX and XXXX. By law, if there is an inaccuracy on my report it MUST be removed by ALL 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX days straight with XXXX  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 XXXX 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 XXXX. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 2022-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc.
State: FL

Complaint narrative:
Per my previous request from help from the XXXX, I filed a complaint against NAR - North American Recovery. They are collecting a debt on behalf of XXXXXXXX XXXX in which they state that they do have a signed consent form allowing XXXX XXXX to transfer my information to this collection agency. They have not provided me with any type of documentation showing that my information was allowed to be shared to NAR. I want confirmation and a copy of the documentation that has my signature or initials showing XXXX XXXX be allowed to share my personal information with NAR.

Previous NAR complaint response : Consumer Financial Protection Bureau To Whom It May Concern, Regarding the complaint filed by XXXX XXXX XXXX Our office has conducted a thorough investigation into the allegations made by XXXX XXXX. This will serve as our response. XXXX XXXX alleges that our refusal to settle his debt for less than he owes is a violation of the FCRA collection rules. He also states that he, never signed any disclosures stating that XXXXXXXX XXXX could transfer his personal information to a 3rd party. Finally, he alleges, This company NAR is contacting and attempting to collect a debt from me illegally. In response to XXXX XXXX allegations, our investigation confirmed that we have not violated any state or federal laws and that all of our interactions with XXXX XXXX have been fully within all applicable laws. We have not reported his account to any credit bureaus, so there is nothing for us to remove from his credit. We are collecting a debt XXXX XXXX owes to XXXX XXXX Furthermore, our office does not settle debts for less than what is owed. XXXX XXXX will need to pay the full account balance. Lastly, XXXX XXXX did, in fact, sign an authorization with XXXX XXXX that allows them to assign the account to us. We invite XXXX XXXX to call our office toll free at : XXXX and speak with one of our agents. We will be happy to process his payment for the full amount he owes. We now consider this matter closed. Thank you for your time. Sincerely, The Complaint Resolution Team N.A.R. , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA DIGITAL FKA SIMP XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
This is not a duplicate complaint, Credit corp is using this as a stall tactic. Credit Corp failed to respond to the issues raised in the previous complaint ( complaint numbers XXXX ) so I made a new complaint with a new letter and invoice attached for the violations under the FDCPA. The new complaint number was XXXX. In the first complaint Credit Corp stated they are sending correspondence to me via mail they did not send anything besides what they called there validation package including an affidavit they wanted me to complete ( there response attached ) they failed to provide the items requested by me. I am a consumer that has the right to say if the debt is alleged and because me stating its an alleged debt which is exercising my federally protected rights, Credit Corp threatened to put the tradeline on my consumer report, which is a definite violation of 15 U.S.C 1692 THE FDCPA. They have not mentioned a solution for there employees violating my federally protected rights. Attached is a letter and a invoice, If credit corp fail to rectify this issue the next steps will be legal matters. Only respond to me via cfpb. The invoice attachment is time sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, there were 11 pending charges for {$90.00} ( totaling {$990.00} ) that were charged using one of the debit accounts associated with our Ally Bank checking account. We immediately called the bank and they closed out the debit card associated with those charges. We were then told to wait until the charges had posted to the account. After the charges were posted to the account ( resulting in an overdraft ), we were told to dispute the charges using Ally 's online banking website. We have an automatic transfer of funds set up from a money market account and so we had a transfer of funds out of our money market account to cover the associated overdraft in the checking account. We disputed the 11 charges on Wednesday, XX/XX/XXXX and signed an affidavit that these charges were not legitimate. It was very easy to determine they were not legitimate : The charges had a legitimate company website associated but a bogus # XXXX that was not in service. I called the company and they confirmed that they did not run 11 charges via POS on my husband 's card. It is now Wednesday, XX/XX/XXXX and Ally Bank has indicated that they are still doing their investigation. Ally Bank indicated they would provide conditional credit but they have not and our {$990.00} is out of our money market account- costing us interest earned. In researching, it appears in 2021, Ally Bank had a hack that resulted in the release of their customer 's information so I can only assume that the information for our account was purchased as a result of that hack.

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 2022-07-27 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 XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XX/XX/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 2022-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Zarzaur and Schwartz, PC
State: LA

Complaint narrative:
I was informed that on two occasions collection letters were sent to an address that was unconfirmed and not provided to to this creditor/collection company ( Zarzaur & Schwartz PC ) by myself. These two letters were both received by employees of my employer that received these letters. This seems to be a blatant violation of the Fair Debt Collections Practice Act. It has been brought to my attention that both of these letters have information pertaining to a debt that they claim that I owe to XXXX, which is personal information sent directly to an address without verification of that address or that debt. Not only do I feel that not only did this company violate my privacy but also brought embarrassment and shame to my name as a result of their reckless practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: FL

Complaint narrative:
According the the FCRA 15 USC 1681, everything must report with 100 % accuracy on my credit report. I sent a letter to TransUnion on XX/XX/22 asking them to " investigate every piece of information '' on the accounts listed below. TransUnion claimed that everything was ACCURATE. However, these accounts are still not reporting 100 % accurate because TransUnion did not do a proper investigation, as requested, per the FCRA. I feel like my disputes are not being taken seriously, and my federally protected rights are being deliberately violated.

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's 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 he is acquainted or who may have knowledge concerning any such items of information. '' TransUnion clearly did not do any of this.

15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) clearly states that if ANY items are found to be inaccurate or can not be verified the reporting agency shall promptly delete the information from the file of the consumer immediately. I will attach my previous letter to TransUnion AND I will attach my credit reporting showing the inaccuracies that are still reporting. TransUnion needs to follow the law and act responsibly, or we will seek litigation and {$1000.00} per violation for the immense stress they have caused me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2022-07-27 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: NJ

Complaint narrative:
Hi I am submitting this 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 XXXXtransunion 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 XXXX 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 XXXX 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 XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE XXXX 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 explanation