vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
I tried to transfer {$1000.00} from Way2Go debit card to XXXX checking account on XX/XX/2022, through the App. I put the right routing number and account number, app required to put routing and account number XXXX times. I have checked the numbers very carefully. Everything was correct, so I click the transfer button. I got an email that the transfer was successful. 
It has been 4 days so far, I didn't get my transfer fund yet to the XXXX bank. 
I called Way2Go card and found out that the first number of account which the bank was supposed to transfer was missing. The technical issue or I don't know .... I did everything right. The App was something wrong. 
{$1000.00} was GONE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three credit reporting agencies do not update payments or correct balances. Especially Transunion and XXXX. XXXX gave access to XXXX without my authorization. Transunion is reporting wrong payments on my car lease payments. This whole reporting agencies is out of control. Its like they are working for credit card companies, instead of consumers. They report things incorrectly to lower credit scores.

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 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Letter received by Gurstel Law Firm XX/XX/2022 indicating a debt owed. I do not have any relationship or contract with Gurstel Law Firm. On XX/XX/2022 a USPS tracking XXXX a letter was sent requesting the following : 1. The amount you claim the Principal owes on said account ; and 2. An explanation showing me how Gurstel Law Firm computed the amount ; and 3. The identity of the original creditor ; and 4. Confirmation that the account has not exceeded the statute of limitation ( SOL ) period ; and 5. Evidence that you are a licensed debt collector in the STATE OF Arizona ; and 6. Evidence of your license numbers and your registered agent ; and 7. Certified Final Forensic Internal Audit of said account 8. Tax Registration Certificate.

9. A rebuttal 10. A wet ink signature I gave them 10 days to respond, but it took them 20 days and the response did not include anything stated above. They decided to send a letter, but no documentation of any contract between the parties. 
This is harassment as 1. there is no debt owed between XXXX and GURSTEL LAW FIRM 2. GURSTEL has not been able to prove that a contract exists between the parties. 
3. GURSTEL continues to send large packets of paper that has no evidence of relationship between the parties. 
According to 15 USC 1692 C - A debt collector can not contact me without my consent. I gave no consent for this company to contact me in the first place, but they have continued to contact me without basis.

15 USC 1692b- they have stated they are in the business of collecting a debt. I have no context for this relationship or debt with this company.

15 1692d ( 2 ) Inappropriate language - sending me a letter indicating " debt '' has been troubling. I have tried to resolve this, however they have not responded appropriately.

15 USC 1681n - GURSTEL is in willful non compliance by continuing to ignore the consumer request to verify the account and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Account with XXXXXXXX XXXX is already satisfied and paid

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Account with XXXXXXXX XXXX  is already satisfied and paid

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Collection with XXXX XXXX is already satisfied an paid

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 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company midland credit management is not licensed to collect debt in New York. Yet they have all of my information and change info on my credit report weekly. This debt was caused by fraud from a family member. I would like them to take the account off of all 3 credit reports as they are operating illegally in New York State.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXXand XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated rights . 15 U.S.C 1682 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. and according to 15 U.S.C 1681 A3 medical bill should not be reported to my credit report. Section 2 ; It also states a consumer reporting agency can not furnish an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX is reporting a charged off account with errors again. As you will see with the attached file, XXXX is reporting three errors again. 1. XXXX is reporting to equifax that I have Available Credit remaining, 2. The creditor classification is missing again!, 3. The account designator is missing. 

The fair Credit reporting act says XXXX must be fair, complete, and accurate in reporting a bad debt to the credit bureaus. 

XXXX has been warned multiple times for this and it has been over 30 days with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reporting an open collection account when they do not own the debt.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX my mother opened a XXXX credit account using my personal information. Due to my still being in the XXXX, in the middle of a XXXX XXXX, I certainly could not have ordered the items she had nor did I order the subsequent items she charged to the account. Nevertheless, I added the item to my XXXX  XXXX bankruptcy the following year starting in XX/XX/XXXX. I acknowledge that this is the assumption a debt is valid but that is not the reason for my issue today. 

As I said, the bankruptcy was filed in XX/XX/XXXX and XXXX in XX/XX/XXXX. And the account in question ending in XXXX was added to that and XXXX was contacted by my bankruptcy attorney. Four years later in XX/XX/XXXX, I am notified that XXXX has reported a recent delinquent payment for XX/XX/XXXX. I had not, neither before, during, or after the discharge of my bankruptcy done any business with XXXX. In fact, the only online portal I have access to via the email my mother fraudulently opened my account with shows no information regarding orders, shipments, or late payments. 

Initially, I was attempting to remove the previous late payments of XX/XX/XXXX due to them being family fraud. Not wanting to cause legal issues for my mother or pay the balance she left, I let it go. This was before realizing that there is a multitude of consumers who had XXXX open " XXXX '' accounts using their information, adding in many unknown late or missed payments for balances transferred from their original account. It now makes sense what error may have occurred, my old account information including the balance from the discharged debt may have been transferred to this new " XXXX '' account and like many others, I unknowingly received a missed payment for an account I did not consciously open. After disputing this with all three bureaus, only one remains with the late XX/XX/XXXX payment and that is Equifax. Reading the investigation, Equifax affirmed incorrectly an account balance and the date. 

I have not been provided with a statement of any new account information, balances, items purchased, or anything to confirm that I did indeed open another account. I challenge XXXX to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover acct # XXXX I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure the bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to dispute these inquires with XXXX XXXX. Both times I went to see if I prequalify around XXXX XXXX and of XXXX of this year. I never actually went through the process of applying for the loan. These inquiries should be removed. I sent them two letters in the past 30 days and I have not received a response. 

On another note, On another note Transunion XXXX XXXX show I owe nothing in student loans, but XXXX shows I do. It mentions in the Fair Credit Reporting Act that the agency must investigate unless your dispute is frivolous. 

It doesnt mention I have a XXXX balance on my XXXX account. It shows up on XXXX from my current knowledge of the situation. I didnt see it on Transunion XXXX That also makes we wonder how I received letters from different third party companies in the past 2 years that I owe money to them in regards to XXXX. This baffles my mind on how these credit bureaus are spewing inaccurate information.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reporting an open collection account when they do not own the debt.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Reporting an open collection account when they do not own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

CASE NO : # XXXX, XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 Section 602A I have a right to privacy 15 USC 1681 Section 604A 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 2022-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX  ( XXXX XXXX XXXX  ) and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against PRA to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct # XXXX XXXX XXXX Acct # closed XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Had 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informations inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
We received a XXXX XXXX gift card on XX/XX/XXXX as a anniversary gift from my mother in law, with {$100.00} loaded on. We did not open the gift card packaging until XX/XX/XXXX when we attempted to use it at XXXX. We were told there was only {$25.00} on it. I looked it up online and see that someone made unauthorized purchases on XX/XX/XXXX in the amount of {$75.00} at Be Renewed Massage. We have never been to this business and don't know where it's located. I attempted to resolve this with XXXX but their process says a dispute must be started within 60 days of a transaction. They also say they won't return the money unless they recover it, even though the transactions occurred from a fully packaged card so likely had to be an " inside job ''. Please assist me in recovering my {$75.00} that was stolen from me.

Company response to consumer: Closed with explanation