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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX  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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Payment Corporation
State: TX

Complaint narrative:
In XXXX, somewhere in between the months of XXXX and XXXX ( this was when my husband was on another deployment to XXXX and how I remember when I did this ), I went to XXXX XXXX with an idea to try to patent. To do this would cost around {$1000.00} and I opted to make payments. The process took less then 6 months and the payments were paid in full before the due date even. From his return in XXXX until last year, he and I purchased 4 houses ( because he's military we've had to move around a lot ). During each purchase no issues but all of the sudden there is a hit against my credit from Universal Payment Corporation for {$300.00} from XXXX. Why 6 years later, because they are notorious for trying to scam people out of money come to find out after researching them further. I went from working hard to get my credit score to a perfect XXXX and now because of their one hit of bad payment history that NEVER should have been there to begin with, it dropped it and is making purchasing a house not an option anymore. I have tried reaching out to the company, sending them proof of faithful and full payment history, disputed it 7 different times on my credit, calling Universal Payment Corp directly, and even filing a XXXX XXXXomplaint. I just want it removed from my credit and to purchase a home again. Because of this mess we had to purchase an RV to live in because our bank wouldn't finance another loan with my credit scorXXXX now sitting at XXXX because on this onXXXX thing that isn't even a legitimate debt collection. 
Please help me get this off my credit and stop allowing this company to operate in such an awful way to get an extra buck!

Company response to consumer: Untimely response
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: VA

Complaint narrative:
I subscribed to a newspaper, the XXXX XXXX. The newspaper failed to deliver the paper and went weeks without actually delivering it. I actually thought my subscription had expired until I saw I was charged again for a renewal. I called my credit card company to try and cancel future charges and they suggested I dispute the charge form the last renewal which I agreed to. They disputed the charge for me and credited me the money back. The newspaper then sent the charge to collections. 

After receiving the initial debt collection letter I wrote a response to the debt collection company informing them that the debt was not mine and they should not contact me again. They failed to heed my request and have continued to send me collection letters. 

The company is A.R.M solutions, XXXX XXXX  XXXX XXXX CA, XXXX, ( XXXX ) XXXX. My account number with them is : 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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.

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: 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: NV

Complaint narrative:
On XX/XX/2021 I sent a letter to the BK court in XXXX XXXX, NV, and asked how and with who they reported my information about my BK and they stated the BK court does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my BK and asked them what was their process for verifying the BK that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXCURRENT ADDRESS, XXXX XXXX of XXXX Nevada-XXXX  XXXX THIS INFORMATION SHOULD ONLY BE REPORTED.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( https : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( https : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( https : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences https : XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.

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: AXOS FINANCIAL, INC.
State: IN

Complaint narrative:
I had a credit karma account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My wife and I are going through a divorce but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX county when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX county and my insurance company that I was not driving the car when that happened. 

The companys and information.. XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XXXX. Axos Bank on XX/XX/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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies has violated my rights. 
XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 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 2022-07-27 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX  XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX 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.

I sent Debt Validation letters to these debt collectors and they failed to provide me a proof that they authorized to collect these allege debt. attached the USPS tracking and the validation letter i sent to them. PLEASE DELETE THESE COLLECTION 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 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DONT HAVE ANY KNOWLEDGE OF THESE ACCTS ON MY CREDIT- PLEASE REMOVE OR DELETE ... ....

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I made a deposit on XX/XX/2022 in the amount of {$500.00} and I was told after making my deposit that it was being held due to an investigation. I made this deposit to a joint account HIWEVER I was not aware the other person on the account had an issue with PNC bank. I have never received anything in the mail or been contacted by PNC Bank with the results of their investigation. This was a debit to debit transfer from myself to myself so why there is an investigation in the first place makes no sense to me?? This is the only transaction on this account because it was just opened when I made this deposit. Today is XX/XX/2022 and my deposit is still being held. When I call the bank it says your balance does not include deposits waiting to clear in the amount of {$500.00} which is my deposit from XX/XX/XXXX Why is it still being held??????

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX, I notified the three credit reporting agencies ( XXXX, XXXX, and XXXX ) of a number of issues in the reporting of this alleged account with Citibank, that is the only derogatory account on my credit, that run counter to the stated purpose of the FCRA, specifically with regards to the requirement that reported data must be accurate and complete. The alleged account is still appearing on my credit after my inquiry to the three agencies, without most of these issues and discrepancies being resolved and so I write this complaint to the CFPB, hoping for a resolution with this account. 

The Date of Last Payment is not consistent across the credit reporting agencies. XXXX has it listed as XX/XX/XXXX, whereas XXXX has the reporting of that date as being XX/XX/XXXX. XXXX and XXXX have that last payment listed as {$0.00}, which is an odd payment amount for a last payment, and for it being {$0.00}, when XXXX has this account listed as OK for XXXX AND for XXXX in XXXX. XXXX has the account being in a status XXXX XXXX in available credit. Ive never even heard of a negative number for available credit. And if the account is a CLOSED account, as this is supposed to be, then surely this must be {$0.00} in available credit, not XXXX XXXX 
XXXX has the terms listed as N/A, I assume Not Applicable, but on XXXX and XXXX they are listed as Paid Monthly. 
The account numbers have different listings among the three credit reporting agencies. XXXX and XXXX have the number as XXXX, while XXXX has it listed as XXXX XXXX further inconsistencies. Which number is supposed to be correct? 
There is data missing in the reporting of the account as well, whereas the FCRA allows for the completeness of the data, XXXX shows missing data for almost the whole year of XXXX and XX/XX/XXXX. XXXX has almost the same, with the majority of XXXX data missing. 

Also, if this account listed is even legitimate, Citibank violated the law, never sending me notice of the account being in a derogatory status as per XXXX5 USC 1681s-2a7Ai, the furnisher requirement to provide notice of listing the derogatory account within 30 days of placing that information in their credit file. They never did so. I never received any such notice. 
All three credit reporting agencies have the alleged account listed in the comments as Account closed at Customers Request. Since I am the listed customer that comment would indicate that I took action that I didnt. There is no letter, email or any communication from me making such a request to Citibank. This goes against the FCRAs requirement of factual reporting

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
bill was put on credit report, causing loss, financial hardship and denial of credit

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: OH

Complaint narrative:
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX  XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$500.00}, XXXX XXXX XXXXXXXX XXXX XXXX {$490.00}, In accordance with the Fair Credit Reporting act 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 2022-07-27 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$500.00}, XXXX XXXX XXXX XXXX XXXX {$490.00}, In accordance with the Fair Credit Reporting act 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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.

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 — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allegiant Capital Recovery LLC
State: MI

Complaint narrative:
I have new and updated information about Allegiant, XX/XX/2022 I received a correspondence from compliance department stating my information would be sent back to there client after my complaint but when I called them on or around XX/XX/2022 to see what client they reported the alleged debt back to I was told the account was still in Allegiant hands under management review and there was still a open balance of XXXX that I can pay or make arrangements on making Allegiant responsible for continuing to try to coerce me into an payment after the dispute supposed to been resolved, closed out and sent back to there client. The manager stated the debt was sent back to XXXX XXXX back in XXXX and XXXX XXXX stated that was not true the debt was just sent to them that day we spoke which means they held the debt with extortionate means infringing upon my rights privacy. I attached a invoice for the violations of my Federally Protected Rights under the FDCPA 15 U.S.C. 1692k. Due to the deceptive and abusive practice this company conducts the complaint was sent through the CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, TN XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief