vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. 

I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give XXXX, XXXX, or XXXX written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. TRANSWORLD SYSTEM ACCT # XXXX this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX # XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... .DEPT OF EDUCATION ACCT # XXXX in the amount of {$1100.00} This account has XXXX different account status types across each agency. XXXX has the account listed as refinanced XXXX has the account listed as paid and XXXX has the account listed as derogatory. Payment status is listed as current with XXXX XXXX has the account listed as a collection/chargeoff and XXXX has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: GA

Complaint narrative:
I XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. 

I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give Equifax, XXXX, or XXXX written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. XXXX XXXX XXXX XXXX XXXXXXXX this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX # XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... .DEPT OF EDUCATION ACCT # XXXX in the amount of {$1100.00} This account has three different account status types across each agency. XXXX has the account listed as refinanced XXXX has the account listed as paid and Equifax has the account listed as derogatory. Payment status is listed as current with XXXX  XXXX has the account listed as a collection/chargeoff and equifax has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a human being, Citizen of the United States. I found numerous errors in my credit report. I have rights under 15 USC 1681 XXXX, Equifax, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts in this report be removed, according to 15 USC 1681 I have rights to privacy and I did not give XXXX, XXXX, and Equifax written permission to furnish these accounts they placed on my credit report. I repeat, I never opened these accounts, nor did I sign anything, or documents. I never have spoken to anyone in reference to these accounts. No email, nor phone call. I repeat these accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NC

Complaint narrative:
This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.

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 2023-05-11 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2023-05-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
My name is XXXX XXXX and I am writing you in hopes to correct a misunderstanding and remove a negative mark on my credit score. I have spent the past 3 years working on my credit to get it over a XXXX  score. It has currently dropped to XXXX because of Total Visa reporting a 30 and 60-day notice. On XX/XX/XXXX, I spoke to an agent to close my card due to fraud and to close my account. At that time I thought my account was closed and I no longer received any monthly statements nor did I have a Total Visa credit card. You can verify that the card was never activated or used. I was reimbursed {$240.00} which was issued on XX/XX/XXXX and deposited on XX/XX/XXXX. To my knowledge, I no longer had an account. 

Despite not having a credit card due to Total Visa not sending me one, Total Visa  continued to take {$6.00} out every month from XXXX to XXXX and I was unaware of these charges. I become aware of these charges on XX/XX/XXXX when a representative contacted me about missing 2 payments which surprised me because again, I thought I closed this account. On that same call, I was able to speak with a supervisor who said they would reduce the bill to {$6.00} but I didnt feel that I needed to pay for something that I didnt have. When I declined to pay that amount, The supervisor proceeded to tell me I didnt pay that day and that it would go up to {$12.00}. At that time I question why that would be for something that I had no knowledge of. We proceeded to cancel the card for what I thought was the second time and the supervisor had an antagonistic tone which was not very helpful. And she then closed out the phone call with the message that since I closed my account and didnt pay the {$12.00} that I would then be billed {$18.00}. I felt at this time that I now was being hustled and personally threatened, as she told me it would go to collections. 

In XXXX I received a bill that said I now owed {$38.00} and I questioned whether or not I was being scammed and hustled. As I was going for a home loan I was denied which was a complete shock. When I checked my credit score, this mark crushed my credit score by XXXX  points I have been devastated ever since. Needless to say, I did not get the home that I wanted and at this point, I am admittedly requesting the removal of this mark off my credit. I have already paid the balance and I have been paying {$6.00} unknowingly for months prior. 

I appreciate any assistance you can give in getting my credit score back to where it should be. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: VA

Complaint narrative:
It was bought to my attention on XX/XX/2023 that according to the Uniform Commercial Code I had other ways to tender payment besides federal reserve notes, which is the most commonly used payment method. According to UCC code 3-603. TENDER OF PAYMENT, and 3-602. PAYMENT, and 3-104. NEGOTIABLE INSTRUMENT. Discover has decided to acknowledge receipt of the Payment Coupon that was detached and returned to set off, remit, or discharge debt. As a result they have sent multiple requests for additional payment in Federal reserve notes. I have spoken with a manager who stated I just sent them a piece of paper although I sent certified mail an endorsed payment coupon. UCC code 3-206. RESTRICTIVE INDORSEMENT. They are also threatening to report late transactions to credit reporting agencies who are also violating the UCC codes. 603 - 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) states that reports containing information solely as to transactions or experiences between the consumer and the person making the report ; should not be included. I have tried to contact customer service about the matter I also started a claim with Discover in regards to the matter. This is impacting me negatively as I have an expanding business and Discover is reflecting negative information on my credit report and denying a legal tender of payment. I have attached several supporting documents and would like this matter resolved urgently as the negative report is denying me access and creating a costly negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
Remove these account as soon as possible this is not mine! This 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 2023-05-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is continuing to report a closed charged off account on my credit. 
However, they are reporting a balance of {$21000.00} which is definitely wrong and incorrectz

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 2023-05-10 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: FL

Complaint narrative:
You are using Color of Law to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ). 

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared. 

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income. 

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.

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 2023-05-10 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: GA

Complaint narrative:
I am a human being, Citizen of the United States. I found numerous errors in my credit report. I have rights under 15 USC 1681 XXXX, XXXX, and Experian is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts in this report be removed, according to 15 USC 1681 I have rights to privacy and I did not give XXXX, Experian, and XXXX written permission to furnish these accounts they placed on my credit report. I repeat, I never opened these accounts, nor did I sign anything, or documents. I never have spoken to anyone in reference to these accounts. No email, nor phone call. I repeat these accounts are fraudulent.

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 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Payments were made on time but did not reflect as such, resulting in negative remarks on credit report Fees and penalties were applied to account. Loan was opened in XX/XX/2019.

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 2023-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
robinhood controls my stocks in XXXX XXXX of all my buisneses i created this with XXXX so that i can control my companys and there are not trained in my company to keep up, i have not recieve my money yet, or info to withdraw from any company in my bitcoins i am being robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Husband passed away XX/XX/XXXX. Received social security check for XXXX in XXXX. Bank placed hold on check. Was informed by social security that this check would not have to be returned as it was for XXXX. Bank would not release hold. On XX/XX/XXXX they informed me they were going to return the check because it was payment for XXXX. I asked them to verify their information and call me back. They did not. Today XX/XX/XXXX, they returned the check to social security. This is a hardship as it will take me at least XXXX  months to reclaim this check. They also sent through XXXX transactions instead of XXXX to return this check leaving me overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NV

Complaint narrative:
EXPERIAN AND XXXX, KEEP VALIDATING A BANKRUPTCY ON MY CONSUMER REPORT. 

THEY SAY THE COMPANY REPORTING HAS VERIFIED THE BANKRUPTCY. 

I HAVE MY CONSUMER FILE FROM ( XXXX XXXX ) THE COMPANY VERIFYING AND THEY DO NOT HAVE A BANKRUPTCY ON MY CONSUMER FILE. 

HOW IS EXPERIAN AND XXXX VERIFYING THIS INFORMATION IF THE COMPANY THEY STATE VERIFIED SAYS IT DOES NOT EXIST. 

PLEASE HAVE EXPERIAN AND XXXX DELETE FROM MY CONSUMER FILE. 

PLEASE FINE EXPERIAN AND XXXX FOR FAILING TO RE-INVESTIGATE, THEY ARE VIOLATING MY CONSUMER RIGHTS AND NEED TO BE FINED.

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 2023-05-10 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I requested both Navient and Dept of EducationXXXX a requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you on XX/XX/2023 Its been 30 days since I sent my request and have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received an email saying my payment was posted. Tried to use card it was denied. I called company was told my bank waS holding the funds. Called my bank and was told they were not holding funds. Made payment on the XXXX. TOLD by credit card company it waS posted on the XXXX. Then told it wouldnt clear until the XXXX. In the email it said it would take XXXX days for payment to process. 
Walmart capital one

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-10 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: TX

Complaint narrative:
XXXX is continuing to report a closed charged off account on my credit. 
However, they are reporting a balance of {$21000.00} which is definitely wrong and incorrectz

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 2023-05-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is continuing to report a closed charged off account on my credit. 
However, they are reporting a balance of {$21000.00} which is definitely wrong and incorrectz

Company response to consumer: Closed with explanation