vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have 2 Fraudulent inquiries on my credit report it is the following listed below XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the 2 fraudulent inquiries that are on my credit report and the XXXX XXXX inquiry also has a fraudlent account on my report and i demand that it be removed as part of the fair credit reporting act you cant report fraudulant data so it needs to be removed

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 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: IN

Complaint narrative:
No communication from debt agency at after multiple attempts to get information regarding origination of debt. Keep hitting my credit report for a debt they can not prove is mine.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update the following accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX to paid as agreed. I have filled a 1099c for each one of these accounts and they are discharged, therefore the account is satisfied. I would also like to inform you that I have sent a letter to each one of these companies opting out of any and all authorization I, the consumer may have given them written, unwritten, verbal, or nonverbal per 15 USC 6801 and 12 CFR 226.15. These are laws that they legally have to abide by or they could face civil penalties. These companies have already violated me by sharing my nonpersonal information with credit agencies because per 15 USC 6802 ( b ) ( c ), a financial institution may not disclose personal information to a nonaffiliated third part unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never made aware with a clear and conspicuous notice of my right to exercise that nondisclosure option. Please send me any proof that they sent me a clear and conspicuous notice of my right to exercise that nondisclosure option. If not please update these accounts to paid as agreed. Also, I would like to remove account # XXXX because this account is only reporting on my Equifax and my XXXX credit report. It has been removed from my XXXX account. This is a violation of the Fair Credit Reporting Act because the accuracy of my report is not being taken seriously or treated fairly. The Financial company associated with this account number also violated me by not sending me a clear and conspicuous notice of my right to exercise their nondisclosure option per 15 USC XXXX ( b ) ( c ). Please remove this account from my Equifax and XXXX credit reports. This debt associated with this account # XXXX, was never properly verified as belonging to me. To verify please send the following documents : XXXX validation of the debt through your accounting records per UCC 3-505 according to GAAP ( Generally Accepted Accounting Principles ). 
XXXX. A copy of the original contract with verified signatures binding both parties per UCC 3-505. 
XXXX. All Payment History 4. All charges with my signature or digital signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please update the following accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX to paid as agreed. I have filled a 1099c for each one of these accounts and they are discharged, therefore the account is satisfied. I would also like to inform you that I have sent a letter to each one of these companies opting out of any and all authorization I, the consumer may have given them written, unwritten, verbal, or nonverbal per 15 USC 6801 and 12 CFR 226.15. These are laws that they legally have to abide by or they could face civil penalties. These companies have already violated me by sharing my nonpersonal information with credit agencies because per 15 USC 6802 ( b ) ( c ), a financial institution may not disclose personal information to a nonaffiliated third part unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never made aware with a clear and conspicuous notice of my right to exercise that nondisclosure option. Please send me any proof that they sent me a clear and conspicuous notice of my right to exercise that nondisclosure option. If not please update these accounts to paid as agreed. Also, I would like to remove account # XXXX because this account is only reporting on my XXXX and my XXXX credit report. It has been removed from my Experian account. This is a violation of the Fair Credit Reporting Act because the accuracy of my report is not being taken seriously or treated fairly. The Financial company associated with this account number also violated me by not sending me a clear and conspicuous notice of my right to exercise their nondisclosure option per 15 USC 6802 ( b ) ( c ). Please remove this account from my XXXX and XXXX credit reports. This debt associated with this account # XXXX, was never properly verified as belonging to me. To verify please send the following documents : XXXX validation of the debt through your accounting records per UCC 3-505 according to GAAP ( Generally Accepted Accounting Principles ). 
XXXX. A copy of the original contract with verified signatures binding both parties per UCC 3-505. 
XXXX. All Payment History XXXX. All charges with my signature or digital signature

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 2024-02-20 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
Recently checked my credit report and seen accounts reporting that I do not recognize.

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 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I requested my original loan contract and statements for a loan that i took out with Marcus GoldmanSachs from date of dispersal up to XX/XX/XXXX by phone early XXXX, where I was told they don't have that documentation, and by priority mail post dated XX/XX/XXXX. I was never contacted back an have not received any documents as of XX/XX/XXXX. I also called the loan servicing forwarded number and spoke with several XXXX customer service reps who also denied me the very same documents. I sent them the same request for documents by priority mail the same day i sent the letter to the bank and for some reason that letter is sitting in MO for more than XXXX weeks. The reps over the phone for both the bank and servicing company said they don't have my records from the original contract up until XX/XX/XXXX. I can not assume the servicing company won't respond but as of XX/XX/XXXX the letter sits in a post office awaiting pickup. It's over XXXX weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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:
In Accordance with the fair credit reporting act XXXX, Transunion, XXXX 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 A ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT XXXX XXXX FOR ANY PURPOSE I recently reviewed my credit profile and noticed inaccuracies and incomplete information and account that are un-verified. according to the fair credit report act section 611 ( 5 ) A OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPETE PR WHICH CAN NOT BE verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i every single one even each any or all the unproven, non-complaints incomplete untrue incorrect and or unverified aspects of any alleged derogatory accounts must be negated in its entirety or alleged accounts are to be deleted.

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete untimely not mine not mt responsibility or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately.

The infractions are as follows.

Alleging creditor and account as is reported as having late payments my credit report.

I am demanding that this account be updated to paid as agreed and never late.

By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted CDIA metro 2 COMPLIANCE regulations I demand that these above-mentioned derogatory items be investigated and permanently removed from my 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 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld is in violation of government statue : Fair Debt Collection Practices Act 809. Validation of debts. They have not sent me proof of a signed contract for the debt they acquired from XXXX out of New Jersey. I believe this debt to be fraudulent, their delays are preventing me from taking the next steps to report this to an authoritative agency as fraud, and they are causing me financial harm by reporting this as a negative collection debt on my credit reports. They will not remove this debt from my credit reports but won't send me proof it is mine! The following information was sent to Transworld XXXX XXXX XXXX XXXX, DE XXXX, by certified US postal mail and I received the card back signed on XX/XX/XXXX. Please help me with this company as they are not following the rules set by the government. Thank you RE : Collection debt of {$1600.00} reporting on my credit report XXXX. Ive previously disputed this exact debt back in XX/XX/XXXX with XXXX XXXX. They agreed and removed this debt from my credit report. They could not provide proof this was my debt. Ive never lived in XXXX, NJ. 
XXXX. I sent you a letter by US Mail on XX/XX/XXXX alerting you that this was not my debt. Ive received no response. 
XXXX. I sent XXXX a letter for your claimed debt on XX/XX/XXXX advising them I need proof that this was my debt. Ive received no response. 
XXXX. On XX/XX/XXXX I disputed this debt with all three credit report agencies : XXXX XXXX, XXXX, and XXXX. Upon their conclusion, it was stated you advised them, this is in fact my debt. 
XXXX. I called Transworld at XXXX on XX/XX/XXXX and spoke to a representative and asked her to mail me copies of proof, that this is my debt. She stated they would be mailed to me. Ive received nothing as of today. 
XXXX. I contacted Transworld again, on XX/XX/XXXX and requested copies of proof for this debt. Ive received nothing as of today. 
XXXX. Through your online website : problem solver form, I submitted another document proof request on XX/XX/XXXX. Ive received no response. 
XXXX. I called Transworld on XX/XX/XXXX to ask for the status of my previous requests, for proof of this debt. I was told the account was in dispute and that the letter/proof will be mailed today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I REQUESTED TO BE ACCOMMODATED UNDER THE ADA. THEY SAID THEY WILL NOT ALLOW TDD, TTY OR XXXX CALLS AND THAT THE XXXX MUST WRITE SNAIL MAIL TO FILE 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have requested all original documentations. That is pertaining to a debt that is being reported on my TransUnion credit report. I sent a certified letter requesting that XXXX XXXX XXXX XXXX. To send ALL original documentations to a debt that is currently showing on my Transunion credit report. I sent the letter on XX/XX/year>. I received a confirmation letter from the postal service company. That it was signed for and delivered on XX/XX/year>. 
It's been well over 2 months since It was delivered and signed by the company. I have yet to receive any original documentations from the alleged debt. See Attached Documents of certified letter and signed date.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2023 I purchased a car with a car loan. As part of that process I shopped around for a car loan. Based on information provided by Experian, this should have been treated as a single inquiry, known as rate shopping. This has instead come across as multiple inquiries and I am not being given any opportunity to fix this by Experian.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the inclusion of certain information in my credit profile. It appears that there may be inaccuracies, and it is essential to ensure that credit reporting laws, which mandate the reporting of entirely accurate credit information, are upheld. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XX/XX/XXXX - Original Creditor : XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX Balance : {$260.00}

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
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I've been using my {$100.00} Amazon credit card through Syncrony Bank and paying it off in full every month. I went to use it today and it was declined, when I went to my account page I found out they'd closed my account, with no warning and no reason given. It's completely inappropriate since I've been paying it off in full every single month, and they gave me no communication whatsoever about the closure.

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