vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2022-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered that the 3 credit bureaus were reporting a collection account that 1 is Identity Theft and not my account and 2 is reporting a duplicate account. I have already disputed with Experian, XXXX and XXXX and the following has still not been deleted and or corrected by XXXX and Experian. I have attached a copy of my TDL, POA, Credit Reports, ID Theft Report, Letters to Bureaus, Account Name : XXXX XXXX XXXX Acct No : 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 2022-03-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX an my wife 's name is XXXX. Back in XX/XX/2002 we had taken out a small 2nd mortgage with XXXX XXXX  XXXX in the amount of {$28000.00}. On the same date XXXX XXXX  Assigned this mortgage to XXXX XXXX, XXXX XXXX, PA We refinanced this mortgage on XX/XX/2002 with XXXXXXXX XXXX XXXX  XXXX. We have paper work that shows that XXXX paid off the XXXX XXXX  loan on this date. 

The problem is that XXXX XXXX  never filed the Satisfaction paper work with the XXXX XXXX XXXX Pennsylvania Recorder of deeds office.

We now have applied for an Equity loan for repairs to our house now and have been denied because this loan satisfaction was never filed by XXXX XXXX  XXXX 

I contacted Citizens Bank over 45 days ago and was informed that this process would take up to 45 days to complete this task. To date I have not been contacted that this matter has been taken care of or that the Recorder of Deeds office in XXXX XXXX has been issued a satisfaction statement. 

Every time I contact Citizen 's bank I keep getting a different story. We need to get a satisfaction letter to the XXXX XXXX recorder of deeds so we can proceed with a much needed current loan wiht which we have applied for with a different bank. 

Attached are the recorded paper work the recorder of deeds has in regards to the initial loan with XXXX Mortgage and the assignment that occurred on the same date on XX/XX/2002. Also attached is documentation I obtained from XXXX XXXX XXXX showing that the XXXX XXXX  was paid off on XXXX, XXXX, XXXX  in the amount of {$28000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: NV

Complaint narrative:
FIRST SOURCE, FIRST SOURCE ADVANTGE, LLC SENT ME A NOTICE SAYING I OWED THEM {$490.00} ACCOUNT # XXXX WHICH I NEVER HAD. I AM REQUESTING A VALIDATION OF THIS DEBT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA. I AM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED. PLEASE SEND ME THE VALIDATION IN A TIMELY MANNER, THEN I REQUEST THAT YOU STOP TRYING TO CONTACT ME ANYMORE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2022-03-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX aka XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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:
I was a victim of identity theft in XX/XX/XXXX after discovering several unauthorized credit inquiries for various credit cards, banks, and cell phones appearing on all three credit reporting statements. I immediately locked all three credit reporting accounts, as well as notified each bank and/or credit card of the theft. Despite the locks, I continued to get notifications throughout the year that someone was trying to open bank accounts or credit cards using my credit information. On XX/XX/XXXX, without ANY previous contact from XXXX XXXX, I received a notice from XXXX XXXX XXXX that I was in default of {$4100.00}. THIS IS NOT MY ACCOUNT. I immediately called XXXX, but was told that they would not work with me as my account was in collection. I wrote XXXX XXXX on XX/XX/XXXX that it was not my account and asked for FULL DOCUMENTATION of the account. I've repeatedly written and called both XXXX and XXXX XXXX stating that it was not my account ( including a police report ). To this date, I have received NOTHING from either XXXX XXXX  nor has XXXX XXXX. It has been over 2 months since I sent my letters and called. In the meantime, I have also retained a lawyer to assist, but still XXXX continues to re-post the closed 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 non-monetary relief
Consumer complaint received 2022-03-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is inaccurate, this should not be in my credit report, I demand it to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is inaccurate, this should not be in my credit report, I demand it to be deleted

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 2022-03-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is inaccurate, this should not be in my credit report, I demand it to be deleted

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 2022-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a payment for the past due amount of {$200.00} on last week & Capital One/Kohls hasnt posted the payment. As a result this has lowered my credit score & escalated my utilization. This error needs to be corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
On XX/XX/2022 I mailed Resurgent Capital Services a Debt Validation Letter and it was delivered certified mail on XX/XX/2022. On XX/XX/2022 I received a notice that they received my validation letter and mailed me three debt collection attempts instead with very little of the information I asked and are not able to Validate any of the additional information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: VA

Complaint narrative:
After receiving my consumer report from Transunion, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, Transunion is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Transunion willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Transunion is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC 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 2022-03-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Below are unauthorized inquires that were reported to the credit agency. Transunion would not help remove negative inquiries off my report as they should according to the FCRA for unverified and unauthorized items. 

XXXX XXXX  XX/XX/XXXX Reported to Transunion XXXX XXXX XXXX XX/XX/XXXX Reported to Transunion

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 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
I have sent numerous disputes to this company with no response. So I sent them a cerified mail with a return receipt to the address listed on the credit report. It was returned undeliverable. 

1. The company never notified me in writing about this debt or gave me a chance to dispute/validate before it reported on my credit.

2. The address listed on the credit report is clearly not accurate, which is illegal under the Fair Credit Reporting Act.

3. This is clearly inaccurate and negatively affecting my credit unnecessarily. 

This needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This company equifax must remove the inquiries immediately. I didn't authorize these inquiries. XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX has called two people who are not me. One, related ( mother ) including another unrelated. They have harassed both parties, calling them 3 times a day for 36 days and counting. Most common phone number they have called from is XXXX. They have broken fair debt collection act laws on multiple occasions. They have disclosed my social security number to two people who are not me, they have disclosed alleged amount owed to people who are not me, they have disclosed my personal information multiple times, they have also disclosed what company the debt is allegedly owed to. 

List of Fair Debt Collection Practices Act broken 804. Acquisition of location information 15 USC 1692c 805. Communication in connection with debt collection 15 USC 1692d 809. Validation of debts 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 810. Multiple debts 15 USC 1692i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a prepaid XXXX for {$150.00} on XX/XX/XXXX, and used it once for {$60.00} at XXXX around XX/XX/XXXX. I attempted to use it again the next day and the cashier said it was declined. When I checked the balance I learned funds had already been depleted from New York and I live in XXXX XXXX. Someone also managed to register it under a different name. My card was compromised even before I used it for a small amount of {$10.00}. Someone had already stolen a portion of my money without having the physical card. I have attempted several times to dispute with company, sending faxes and them saying they couldnt see documents correctly. Documents include : copy of gift card front and back, my drivers license, copy of original and activation receipt. I also mailed copies to them on XX/XX/XXXX and upon checking every week they tell me they have not received them. They give the run around too much and are not cooperative. Today is XX/XX/XXXX and they supposedly have not received them. They do not accept email and have to wait until notes are placed by the fraud department. There is no number to speak with anyone In the fraud department per XXXX the senior representative. They are scammers!

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 monetary relief
Consumer complaint received 2022-03-14 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Contacted via text. Tried calling back not valid... XXXX. No other means of communication orbidrhtitu concerning alleged debt- in violation of fair debt reporting act.

Company response to consumer: Closed with explanation