vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, Transunion, has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681.

According to 15 U.S.C 1681, Section 602 A, states I have the right to privacy. 

The following addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX  XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX XXXX XXXXXXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX RI 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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax, XXXX, has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681.

According to 15 U.S.C 1681, Section 602 A, states I have the right to privacy. 

The following addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, RI XXXXXXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX RAVEN DIRCLE XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
15 U.S.C 1681 section 602 A states I have rights to privacy and reported information about my credit history that doesn't correlate with all XXXX credit bureau. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent. 

In accordance with the fair credit reporting act, these account below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : 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 2022-07-20 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:
15 U.S.C 1681 section 602 A states I have rights to privacy and reported information about my credit history that doesn't correlate with all 3 credit bureau. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent. 

In accordance with the fair credit reporting act, these account below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NY

Complaint narrative:
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate on XXXX report, the " last day active '' is inaccurate on Transunion and XXXX and even the " date of last payment '' is inaccurate on both bureaus. I have disputed this multiple times with Transunion and XXXX and everything has been coming back the same for every time I dispute. I was sent a letter from XXXX which is the account that I have been disputing. I attached to this case, so you will see in the different exhibits that I have tried to rectify this and they keep stating that they have did their extensive investigation. If that's so why is the letter from XXXX giving a different last date active, last date of payment and the open date of this account. This letter from XXXX is actual and factual source. Like I said, the bureaus did not do their due diligence. This is a ground for REMOVAL IMMEDIATELY. The consumer reporting agency have an obligation according to 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I also have : 15 u.s.c 1681 section 602 A I have a right to privacy 15 u.s.c 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish 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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Receiving constant " alerts/updates '' from XXXX & Experian which seem suspicious in that they request personal info. to continue. All are subject : " This Is Sensational! Your XXXX XX/XX/2022 Scores just hit an all-time high ''. Example follows : This Is Sensational! Your New XX/XX/2022 Scores just hit an all-time high XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wed, XX/XX/XXXX at XXXXXXXX XXXX Great Scores Get Your XX/XX/2022 Scores Right Here When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from Experian, XXXX and XXXX Reports in one easy to read report go Right Here Great Scores Press Here To See Your Scores Now Checking your credit will NOT harm your credit scores! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX Unsubscribe me from this mailing list Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, TX XXXX This is an email advertisement. To unsubscribe from our sponsor : click here. 

XXXX XXXX + Add to contacts 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 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
On XX/XX/XXXX, I advised XXXX XXXX XXXX  of a fraudulent order on my account. An individual walked into a store in XXXX and purchased an XXXX under my account. I had numerous calls with XXXX XXXX XXXX and numerous online chats advising them of this fraudulent charge, and I also went to the store in XXXX where the purchase took place to get a confirmation of the order and the video. Unfortunately, the manager could not locate and provide the receipt or the video after XXXX days. After 5 or 6 months, I was told by XXXX XXXX XXXX that the charge was coming off. Three years later, in XXXX, It showed up on my credit through a collection agency. I immediately reached out to the collection agency they told me that XXXX XXXX XXXX confirmed the charge and moved it to collections. I asked them to remove the deliquent mark and needed this to be corrected. I volunteered to pay off this debt, which I did to remove it from my credit report, and I would pursue it with XXXX XXXX XXXX again. I have requested this to be removed numerous times, but they have been unwilling to do so. This is preventing me from closing a loan on our home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: GA

Complaint narrative:
The Discover consumer mobile application has been unstable for over three months ( as of XX/XX/2022 ) and a large number of users, myself included, are experiencing a " flash crash '' when trying to open the mobile app via a smartphone device. When clicking on the app icon, the app attempts to open and immediately crashes, preventing access to consumer credit and deposit account info and servicing functions. Additional details can be gleaned from numerous recent negative app ratings in the XXXX XXXX store. I contacted Discover via phone to try and find out if this was a known issue and if work was being done to resolve the issue and restore access via mobile app. The representative I spoke with ( XX/XX/2022 ) indicated they were not aware of an issue and it had not been sent out to the contact center floor as a known issue ( with corresponding talk track for handling complaints ). Since I first encountered the issue, Discover has published three new app versions on the XXXX XXXX store, and the issue persists ( consistent with other complaints in the app store ). 

XXXX XXXX version : XXXX Device : XXXX XXXX XXXX XXXX XXXX version : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX this company issued four separate medical debt bills to my residence by mail. I wrote up a letter asking to validate the debt by sending a full breakdown of each bill, a copy of my signature with the provider of service to release my medical information to the debt collection agency, and to cease any credit bureau reporting until the debt has been validated by me. In the letter I asked that they respond within 30 days of receiving the letter. 

I sent the letter by certified mail and have proof that the letter was collected on XX/XX/XXXX. Two months later on XX/XX/XXXX I received a second copy of the same bills they sent back in XXXX. None of the things I asked for were included in the packet of papers. 

I then composed a second letter once again asking for the debt to be validated by both an itemized bill and my signature with another time limit set to 15 days from receiving the letter as they already had two months to attempt to find what I asked for. 

Once again I sent the letter by certified mail and have proof that the letter was received on XX/XX/XXXX. On XX/XX/XXXX, well over a month from the date they got my letter, I was sent only the itemized bill of all fee 's and charges for the medical debt but not my signature. 

My complaint is that I asked for the debt to be validated and over four months from the first time I sent my letter they have only provided half of what I asked for as proof to validate it. I was being more than reasonable with time limits to find what I asked for and there was no communication by the company asking for more time or even trying to explain why they could not provide what I required to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: CT

Complaint narrative:
XXXX XXXX. The customer is a footnote. They have elevated process, no matter how dysfunctional and broken, to a worshipped idol status. 

Their automated " verification '' process is incredibly brittle and fragile, relying on external databases that are full of out of date information or have zero ability to deal with variants in normal language, ie XXXX XXXX rather than XXXX XXXX. Or XXXX XXXX rather than XXXX XXXX, XXXX and XXXX and so on. They also claim my house, XXXX XXXX XXXX, does not exist due to some secret database or claims I have moved, again based on some opaque source. If you are in the military with a residence and stationed somewhere else for mailing, you are in for even bigger unpleasant experience with Schwab. 

Faced with this breakage, you then take time of work ( and lose income ) to jump through various artificial hoops, sending in documentation, only for it to immediately break again or get completely ignored without feedback. The default position of Schwab is breakage, the opposite of XXXX or XXXX that works by default. 

Naturally this murky " verification '' ( and random freezing ) is done without notice, and only gets discovered at the grocery checkout or restaurant to maximize humiliation. The posts on XXXX and XXXX are full of this experience, yet its management is asleep at the wheel and has no idea how dysfunctional they are, and apparently its stockholders are also in the dark about how poorly the company is run. 

The process, when triggered, that is constant, auto freezes accounts without notice. To get money out becomes artificially impossible, or requires a {$25.00} wire transfer fee and waiting around to see if and when they might get around to doing it ( cue manual forms and more breakage ).

Schwab have eliminated options except claim a tax loss for casualty loss ( funds stolen by Schwab ) or start a lawsuit to recover what they have slyly expropriated. My feeling is they are doing this to systemically over their customer base to get effectively free deposits and a " float '' or this is a case of the process tail wagging the core functionality dog. No doubt they have scripted justifications, though never explaining why they are so bad compared to reputable banks. 

The end result is a huge drain of time on hold and jumping through hoops as a result of their process that cynically transfers all the risk and lost time and income onto the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Credit Acceptance has falsely obtained compensation from me in relation to the credit transaction that took place. They failed to provide me with the appropriate disclosures under the Truth In Lending Act and they have also failed to rebut the Affidavit that was sent to them. An unrebutted Affidavit stands truth in commerce. They have received the documentation and have yet to correctly handle their wrongdoing.

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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IL

Complaint narrative:
This is in regard to World Finance Corp account # XXXX which I have disputed previously asking for validation of debt. Not verify but validate. Under the FCRA I have the right to ask for validation which they have not provided. That is a clear violation. Also they are being reported to all 3 credit agencies XXXX, XXXX and XXXX. and the information is not matching as it should under the FCRA. They must report accurate information. 15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also it shows payment status as Charge off. The legal definition of charge off is, the writing off of a debt and termination of collection activity without release of personal liability. If this is true then it would not show up on my credit report with a balance. Another clear violation. I also have proof attached with different account types, and date last active. I also have the right to privacy.The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness and privacy of information in credit reporting agency files. Proof attached of the inaccuracy and fairness and how they have violated my right to privacy. If this account is charged off, it should not be on my credit report with a balance at all. Also There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

Company response to consumer: Closed with explanation