vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against Transworld Systems Inc for Violations of consumer rights Dear CFPB, I am writing to file a formal complaint against Transworld Systems Inc for multiple violations of my consumer rights as prescribed under federal law. I am revoking all rights of them communicating with me through email/text/calls. I am also requesting the purchase agreement between them and the original creditor. The collection agency has engaged in the following unlawful practices : Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( XXXX ), the collection agency is required to provide specific validation information regarding the debt. Despite my request, they have failed to furnish this information but have still placed a collection on my consumer report. 

XXXX. Denial of Dispute Opportunity : As outlined in 12 CFR 1006.3 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt before it is reported. The collection agency did not give me a chance to dispute the account prior to placing it on my consumer report. 

XXXX. Use of False and Misleading Practices : The collection agency has used false, misleading, and deceptive means to collect the alleged debt, which is clear violation of my consumer rights. 

XXXX. Unauthorized Reporting to Consumer Reporting Agencies : Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( XXXX ) ( A ), the collection agency has no authority to furnish any account information to consumer reporting agencies without providing all necessary disclosures required by law. They have failed to do so, thereby violating these regulations. 

Theses actions by Transworld Systems Inc have caused significant distress and potential damage to my credit report and financial standing. I request the CFPB to investigate this matter thoroughly and take appropriate action against the collection agency for these violations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX FL, which is in XXXX County XXXX I am writing this complaint because Equifax removed the accounts as requested in CFPB Complaint : XXXX. However, after removing these negative, inaccurate, inequitable, libelous accounts, Equifax XXXX XXXX, decided to re-insert these accounts without notifying XXXX XXXX XXXX, XXXX, or verifying that these accounts were accurate. This is a violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ) ( 2 ) ( A ) ( B ) ( 5 ) ( A ) ( i ) ( ii ) ( B ) ( i ) ( ii ) ( iii ) ( I ) ( II ) ( III ) ( C ) ( D ) ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) ( 7 ) ( 8 ) ( d ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report.

Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial request, these inquiries remain on 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 2024-07-12 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: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year>

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 2024-07-12 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year>

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-12 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is in XXXX XXXX XXXX XXXX I am writing this complaint XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, or " XXXX XXXX ) '', XXXXXXXX XXXX, Navy Federal Credit Union, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX XXXX XXXX XXXX XXXX Consumer Report file of XXXX XXXX XXXX XXXX Consumer. 

XXXX TRACKING NUMBER : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Applied to consolidate loans through Aidvantage for the sole purpose of qualifying for XXXX. Aidvantage has processed the consolidation with higher interest rates but applied an Equal payment plan. This is not acceptable and resulted in higher payments than I had before consolidation, while I qualify for XXXX. I need this applied before payments resume and the person on the phone couldnt really give me any solid information and said I can wait to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
I have made several attempts to request deletion regarding these inquires on my account. I was attempting to reach out to XXXX for assistance. I used the number on XXXX, however, it was a scam. The caller made me download XXXX and took control of my phone. I verified my ssn thinking it was XXXX assisting me. They took my ssn and ran things in my name. 

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 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 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 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 2024-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts to request deletion regarding these inquires on my account. I was attempting to reach out to XXXX for assistance. I used the number on XXXX, however, it was a scam. The caller made me download XXXX and took control of my phone. I verified my ssn thinking it was XXXX assisting me. They took my ssn and ran things in my name. 

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 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 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 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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My last 4 digits of my citibank 's XXXX XXXX is XXXX. 
I have informed them will be doing foreign travel. During my travel did charged my purchases on above card. When I returned back to XXXX, found that they charged me 3 % transaction fee, which as per bank digged in fine print. 
On XX/XX/XXXX when I called they told me the above info on foreign transaction fee. After spending hours, I called them to cancel my card, at that time they transaferred the call XXXX XXXX. After talking to her, she offered me following promotion. 
XXXX XXXX XXXX XXXX XXXX SPECIAL CODE XXXX months XXXX points XXXX XXXX  - XXXX XXXX XXXX XXXX ( CODE ) XXXX While I was on phone with her, checked my account points didn't added, she advised me to wait till the billing cycle, which ended on XX/XX/XXXX. 
Again today ( XX/XX/XXXX ) called CITI BANK 's customer service, after talking to foreign customer service rep for one hour, asked them to transfer my call to XXXX based XXXX. At that time XXXX XXXX gave me entire different promotion information ( which was not same as which XXXX XXXX gave ). As per XXXX XXXX my promotion was will get XXXX points XXXX XXXXr upto {$35000.00}. 
I tried to call CITI 's XXXX multiple times to reach XXXX XXXX but not succesful. 

CITI BANK XXXX gives promotion to customer but within their system they do something, which is CHEATING the customer

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal 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 explanation
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
I filed XXXX complaints through cfpb. Experian has not completed the result. Instead, they punished me and retaliated me by lowing my credit score XXXX points on XX/XX/year> and lower my credt rating from good to fair and even told me that now creditors will regard me as more risk.

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 2024-07-12 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: NY

Complaint narrative:
My name is XXXX XXXX, there is a debt collector on my Transunion report called XXXX XXXX XXXX XXXX XXXX XXXX of the amount of {$110.00}. I sent a debt validation and the company failed to validate the following : 4. what was the original date of delinquency for this account? 5. agreement that grants you authority to collect on this alleged debt or proof of acquisition by assignment. 6. what did you pay for this account and how did you calculate the current amount owed? 7. Failed to send proof of registration to collect on the debt. 8. send me proof of certified receipt of my signature that I was notified five days prior to reporting to the credit bureaus. Did you send the credit bureaus that this account is being disputed? see following attached below. Delete Inaccuracy per FCRA.

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 2024-07-12 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX XXXX I am writing this XXXX Early Warning Services , LLC, XXXX XXXX XXXX XXXX XXXXXXXX, or " XXXX XXXX ) '', XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial XXXX, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer. 

XXXX TRACKING NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
The creditor knowingly approved a loan for me despite being fully aware that my income was insufficient to meet the repayment obligations, anticipating that I would default and they could repossess the vehicle. This predatory tactic has been a recurring pattern for them, leading to multiple lawsuits. Thos same tactic caused a financial strain has adversely impacted both XXXX and my XXXX, significantly damaging my credit. After enduring this situation for several years, I eventually settled with them to resolve the matter. However, the lingering negative reporting continues to cast a shadow over my credit history.

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