vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, XXXX - ACCT # # # # # # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, XXXX - ACCT # # # # # # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX And XXXX both received a final warning and fourth dispute letter of violation of the Fair Credit Act without accurately verifying any of the accounts belonging to me. I've never received any paper correspondences from XXXX or XXXX this entire dispute process ( only electronic notifications that the accounts had been verified ). On XX/XX/XXXX, XXXX received an offer of settlement before litigation and fourth dispute letter in regards to the ARS account to be DELETED from my credit due to not being in compliance with FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ). 

On XX/XX/XXXX, XXXX deleted the account but inserted it back on to my credit report on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX deleted the account but inserted it back on my credit report for a SECOND TIME on 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 explanation
Consumer complaint received 2022-05-16 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: CA

Complaint narrative:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 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:
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, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NC

Complaint narrative:
Noticed unauthorized and inaccurate inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IL

Complaint narrative:
I logged into the XXXX website to check my credit report on Thursday, XX/XX/XXXX. I noticed several fraudulent accounts opened in my name. I immediately reported the fraudulent negative accounts to XXXX and I reported the identity theft to my local police department on XX/XX/XXXX. XXXX explained to me that in order to have the accounts removed or deleted I had to file a complaint with FTC.GOV. The fraudulent accounts are listed below with the dates that they were opened. 

XXXX  XXXX : Opened on XXXX, XXXX, XXXX for {$190.00} XXXX XXXX : Opened on XX/XX/XXXX for {$15.00} XXXX : Opened on XXXX, XXXX, XXXX for {$2700.00} DISCOVER BANK : Opened on XX/XX/XXXX for {$8800.00} XXXX : Opened on XX/XX/XXXX for {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: SC

Complaint narrative:
On XX/XX/2022, I received the investigation results but never received the investigated report as defined in the FCRA 15 USC 1681 a ( e ). Investigated Reports must have sources of interview of family and friends and the results must be factual. You cant verify anything unless I verify it, any documentation I receive concerning the alleged debt are only Exhibits that prove the alleged debt was created due to a consumer transaction. The consumer report is nothing but an attempt to coerce payment 15 USC 1692d the advertisement for sale of any debt. before you can validate a debt, you need to prove 5 things, which the first method to validation is proving who is the original creditor, which I am the original creditor. You can not legally say you did an investigation unless you perform a true investigation such as one done for a crime. You must talk to my friends, neighbors, family members and me. If you have not done this, it is not an investigation. Therefore, you have no validation, and the negative remarks MUST BE REMOVED ASAP. 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you. By law, I do not need to submit a FTC report, I, the consumer can provide a statement stating this information is not mine. I have not given EXPERIAN, XXXX, AND XXXX permission to furnish this information. This is identity theft and as a result, the late payments must be removed and blocked from my file. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately. ATTATCHED IS THE INVESTIGATION RESULTS I RECEIVED NOT THE INVESTIGATED REPORT I RECIEVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Manhattan Beach Venture, LLC
State: TX

Complaint narrative:
Department of Treasury, I called, on XX/XX/2022 an amount unsure of was taken from my Social Security account. XXXX XXXX requested more than {$8000.00} from me. I sent a denial of the debt with my signature. Why are they, government stealing as they choose, from me? Offset, I did not give legal conscious permission to be robbed of my rights. I need my Economic Impact check and whatever else is my fund.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-16 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XXXX XXXX I became aware that XXXX/RESURGENT RECEIVABLES violated Regulation F subpart B 1006.6 communications in connection with debt collection. XXXX/RESURGENT RECEIVABLES did not receive consent to access my consumer report nor had express permission of the court. XXXX/RESURGENT RECEIVABLES communicated with me thru my credit report and it unusual and inconvenient. I later received some correspondence with a statement and coupon from another company. XXXX/RESURGENT RECEIVABLES has violated my privacy and I fear that my private information has been sold or told to parties I have never agreed to contract with. The original creditor is not listed, and I have no knowledge of this account. I REFUSE TO PAY THE ALLEGED DEBT & I DEMAND THAT ITS DELETED AND REMOVED FROM MY CREDIT FILE. XXXX/RESURGENT RECEIVABLES is to cease and desist any collection activity on this account. WHERE IS THE CONTRACT BETWEEN ME AND XXXX/RESURGENT RECEIVABLES? HOW MUCH WAS THE DEBT AQUIRED FOR? WHO BOUGHT THE DEBT? Where did you receive permissible purpose to report anything or access my file? XXXX/RESURGENT RECEIVABLES violated 15USC 1681b2 at least 3x by reporting this disputed debt without my express written permission to XXXX XXXX AND XXXX. XXXX/RESURGENT RECEIVABLES has violated 15USC 1692 and will be held liable under 15USC 1692k and 15USC1681Nb.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CBC Companies, Inc.
State: TN

Complaint narrative:
i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
I had called them back in XXXX. They stated I was to pay XXXX or more a month. I filed for forbearance forgiveness. Sent them my information on what I made. I am retired and My Monthly payments isnt no where the amount! 
They wanted me to fill out forms and send all my information to them. 
I had talked to them numerous times and one would tell me I would be good with no payments and them someone would call me and state I owed them over XXXX and they denied me. They keep on harassing me on the phone. I have paid Ed Financial for many years and when Covid-19 came. I couldnt my pay was reduced cause of XXXX. Please help me. They are calling me every day!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX And Experian both received a final warning and fourth dispute letter of violation of the Fair Credit Act without accurately verifying any of the accounts belonging to me. I've never received any paper correspondences from XXXX or Experian this entire dispute process ( only electronic notifications that the accounts had been verified ). On XX/XX/XXXX, XXXX received an offer of settlement before litigation and fourth dispute letter in regards to the XXXX account to be DELETED from my credit due to not being in compliance with FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ). 

On XX/XX/XXXX, Experian reported via digitally on my portal they've verified the XXXX account belongs to me without providing a verified signature acknowledging this to be accurate. Reporting # : 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 2022-05-16 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXXF XXXX XXXX XXXX, claims IN COURT to be the PURCHASER of my real property on a foreclosure sale that took place on XX/XX/XXXX. 

XXXX XXXX is still a BANK and they can not own real property that is not for banking business. At the FORECLOSURE SALE that took place on XX/XX/XXXX, XXXX XXXX, attorney from XXXX XXXX XXXX, XXXX, said that the lender SELENE FINANCE LP bought my property. It's ALL RECORDED ON VIDEO. I'm attaching two AFFIDAVITS OF FACT WITH PERSONAL KNOWLEDGE, TERMS OF SALE and the third accomplice is XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX is attempting to STEAL my property. They are in violation of 15 U.S. Code 1692e ( 4 ) - False or misleading representations, the representation or implication that nonpayment of any debt will result in the seizure, garnishment, or sale of any property unless such action is lawful and the debt collector or creditor intends to take such action. 

THEY ARE STILL A BANK. They are not the alleged lender or the alleged servicer. 

TWO AFFIDAVITS OF FACTS WITH PERSONAL KNOWLEDGE and a video recorder will proof that they were not at the foreclosure sale. No agent, representative, man, woman of the Bank, XXXX XXXX XXXX XXXX XXXX XXXX were present at the foreclosure sale. There was no deposit of {$28000.00} as per the Terms of Sale. There was no PURCHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had my us bank account recently closed. Due to a returned check and insufficient funds. Ive had numerous problems with my account all of last year 2021. I had many fraud attempts with changing my password or someone calling and having duplicate cards mailed out. I probably had to close my debit card in 2021 more than 10 times. They could not give me an answer as to how this continues to happen. My bank statements didnt add up. Whoever sent me these us bank statements had the balance wrong and couldnt give me further details. A lot of the times I would call and they wouldnt even try to verify the caller was the account holder. I noticed that everyday XXXX since XXXX all the way through XXXX my account was being withdrawn by XXXX dollars daily. Sometimes more than once a day. Im a single mom of XXXX kids I thought my money would be safe but nothing was done. And eventually my account became withdrawn and I never received a notification but one and it stated it was sent in XX/XX/XXXX I didnt receive it in the mail until two weeks later And by then the accounts were closed. I relied on those funds to pay my bills and provide food for My household. Its really surprising that they made me feel like I was invisible and they couldnt help me at all but close my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TN

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX AND TRANSUNION the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$1000.00}

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