vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: TX

Complaint narrative:
My social security number is attached to medical debt across all 3 bureas from XXXX XXXX XXXX and is a violation of my HIPPA rights. Ive reached out and I have been unable to get any proof of debt owed but because it will be a violation Ive been unsuccessful although its listed on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-15 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: TX

Complaint narrative:
Mailed letters on XX/XX/year>2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-16 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
I have requested for any late payments on this account be removed or reversed. According to 15 USC 1666b - Timing of Payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title. 
The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor or services on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
I did not authorize these inquiries and firmly suspect they are not genuine. I urge you to conduct a comprehensive investigation and promptly remove them from my credit profile.

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 2024-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I saw that this company that I have never had any dealings with Rent Recovery Solutions on my credit report. I sent a debt validation letter via certified letter on XX/XX/2024 and another Debt validation letter via the companies email ( XXXX ) on XX/XX/2024. The company received the letter on XX/XX/2024. They sent me information via mail but the information that was received was not VALIDATION on the debt. I reported to XXXX  and the companies response was their lawyers have viewed the information and stated its correct. Thats where Im confused at I specifically asked for information to Validate the debt not what your lawyers think. If you are not able to send the requested information you must stop the negative reporting on my credit report. Per the Fair Debt Collection Practices Act, 15 USC 1692g you have not met this. I ask that this be removed from my credit report immediately and remind them that its a {$1000.00} fine per violation of consumer rights. I have attached the information they sent to me to validate the debt and also the debt validation letter I sent them via email with the information that was requested and not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: MD

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am unaware of this debt I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( JEFFERSON CAPITAL Acct. No. XXXX ) be removed from my consumer report immediately in light of my consumer rights being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NJ

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Consumer reached out to investor services to request account be reopened. Discover Bank ( incorporated in Delaware ) closed consumer account and has not withdrawn the Power of Attorney on file with the IRS. The companys issuing entity has an indentured agreement with XXXX XXXX XXXX XXXX XXXX XXXX ) as the consumers fiduciary to ensure request are completed that are received by the noteholder ( consumer ). Per the Trust Indenture Act of 1939, there are duties not being completed when it comes to the consumers account, which include discharge. Since the company would like to trade the Notes/Bonds backed by the consumers financial asset that was signed at the beginning of the contract/cardholder agreement by trading in the secondary market the consumer wants the account reopened. The company is still making money from the consumers signature ( forensic audit details this information ) and collecting in a certificate of deposit created for deposits received to get interest every two years. Additionally, Discover Bank sold its rights and title to all receivables to its depositor, who turned the financial asset into cash, securitized it through the master trust which allows the cash flow that is accumulating. Thank you for your attention. Consumer would like something in writing about next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXX, I was involved in identity theft and fraud. My wallet was lost and stolen ( XX/XX/2023 ). The perpetrator attempted to make various purchases with my credit cards and debit cards, along with opening several new accounts and applying for loans. 

A police report was filed and all 3 bureaus were contacted to put a freeze. For several months I would receive new and various letters from several banks and companies about a new account being opened or some kind of failed transfer. I have dealt with XXXX, XXXX, XXXX XXXX, and XXXX to name a few. 

In XX/XX/2023, I received letter documents of activity from US Bank with my information. I reached out to US Bank to confirm whether someone opened an account with my information and was told there was nothing using my name or social security number. I told the representative my name is being used for fraudulent activity and checks that are attempted to be processed. They would assist me, because they claimed I was not their customer and they couldn't find any information. Even when supplying information of the fraudulent activity they denied recording, because they could not verify me. 

A month later in XXXX, I received another letter communication from US Bank. This time when I reached out, I am being told that US Bank has an account with my information. I requested the account to be closed and explained what happened previously. 

Rather than assisting me and closing the account after verifying my information, I was told I need to fill out a packet which will require a notarization. 

This account was opened online with less credentials than required in person and to close it US Bank is requiring more information. This is a huge inconvenience to me when other banks have complied and taken responsibility for the lack of security and verification. Banks such as XXXX have closed my account and issued letters of confirmation, however, US Bank is unwilling to cooperate and making closure of the fraudulent account difficult. 

The failure for US Bank to properly verify my information upon account creation is entirely the responsibility of US Bank and the closure shall be too. I should not have to go out of my way for the errors due to US Bank.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to get my credit report from TransUnion and they won't allow it. The last time I got my credit report was XX/XX/2023. I send in the required documents including, 2 forms of identity, etc. Still can not get access TransUnion claimed they can not find my information yet they are reporting inaccurate information on my credit report causing it to fall drastically and ruining my chances of applying for credit. How can you not find a consumer credit file yet you are reporting inaccurate information, what are the creditors pulling if I have any credit information? I am tired of complaining the CFPB won't do anything and TransUnion will just continue their fraudulent activities and destroy consumer lives. I need full access to my entire 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 2024-03-15 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: GA

Complaint narrative:
On XX/XX/XXXX I have contacted the consumer reporting agency known as Equifax. I have looked at my credit report and notice some inquiries on my consumer report. I have asked the credit agency to provide the method they used and the companies that have placed inquiries on my consumer report. I do not recognize them at all. I am a victim of identity theft and I have contacted the IRS about these and have filed a whistle blowing from for the IRS to investigate on Equifax so that they are audited for these inquiries and accounts that I have listed in this message. Now I would like to add this and please read carefully. Please provide who placed this inquiry, who you spoke to do do the investigation on my report, whom placed this on my consumer report. What does permissible purposes mean? 
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. Permissible purposes of consumer reports, To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; This is a major violation by obtaining my consumer report including my personal information which is private property and if you don't have my consent, you shouldn't be using my information without my consent and my privacy should be kept confidential. If you continue to use my information and my name fraudulently I will contact the IRS to do an audit on this company. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have reviewed my Consumer Reports and noticed that I have Inquiries on account ( s ) that I do not recognize nor do I hold accounts for. I have kept a respectable credit portfolio prior to this and I am afraid this will prevent me from any future credit opportunities. This is an inaccurate reporting on my credit report and Consumer Reporting Agencies have a responsibility to report information to the best of their ability with maximum accuracy. I called these lenders and they could not confirm with me the legitimacy of these inquiries and I asked them to have them removed but they informed me this is the only way. I have tried to resolve this numerous times by beaching to both the creditors and the Credit Bureau. These inquiries I want removed are : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE, CAPITAL ONE XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE CAPITAL ONE XXXX XXXX XXXX CAPITAL ONE CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these inquiries belong to me. If proof can not be provided I demand that these accounts be deleted from my Credit Report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I'm trying to compare auto insurance policies so that I can save money. My driving record provided by LexisNexis states I was in an accident in XXXX and XXXX. I have never, ever been in a car accident thankfully. It also lists that I didn't have sufficient auto insurance in XXXX, which is also false. I have called the phone number listed on the website and in my driving report several times, it is impossible to contact a human. No information on their website is available to dispute this information. The only avenue to dispute the false report is by filing a complaint.

Company response to consumer: Closed with explanation