vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 I received an alert about a new trade line for a collection in the amount of {$580.00} being added to my credit reports which dropped my score by several points. I have NOT ONCE received ANY written correspondence whatsoever from Consumer Adjustment Co. about this alleged debt, and the amount they are referring to, giving me the opportunity to dispute the debt as per the FCRA. This alleged debt is also beyond the statute of limitations for reporting on any of my credit reports. 
I DISPUTE THE VALIDITY OF THIS DEBT and want the collections permanently removed from ALL of my credit reports immediately. 
I also want the following information sent to me The name and address of the Original creditor.

The account number.

Copy of ORIGINAL dated and signed written agreements between me and alleged creditor with amount borrowed/owed.

Verification that there is a valid basis for claiming I am required to pay the alleged amount owed.

Full Details about the age and amount of the alleged debt including a copy of the last billing statement from the original creditor.

Proof of ORIGINAL date the Original creditor claims this alleged debt became delinquent.

PROOF this debt is within the legal statute of limitations and how that was determined.

Details about your authority to collect this debt and whether you are licensed in my state and if so provide the date of the license, name on the license, and the license number, As well as the name, address and telephone number of the state agency issuing the license.

It is a violation of federal law for Consumer Adjustment Company to report inaccurate, incomplete or fraudulent information anywhere on my credit reports, thus causing my good credit score to suffer damages. I will exercise my rights to recover damages to my score for illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report. According to my credit report, the following accounts are listed as negative items : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXXXXXX XXXX Late Payment Account Medical XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX  XXXX XXXX XXXX Collection Account I dispute these items as inaccurate and not reflective of my creditworthiness. I believe that the information on my credit report is incorrect and unfairly damaging my credit score. I request that you investigate these items and remove them from my credit report if they are found to be inaccurate. 

I would also like to remind you that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and complete information. If the items I am disputing are found to be inaccurate, incomplete, or unverifiable, I expect them to be removed from my credit report immediately. 

LAWA : Fair Credit Reporting Act ( FCRA ) Thank you for your attention to this matter. 

Sincerely, 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 2023-03-03 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report. According to my credit report, the following accounts are listed as negative items : XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX  XXXX XXXX Late Payment Account Medical XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX Collection Account I dispute these items as inaccurate and not reflective of my creditworthiness. I believe that the information on my credit report is incorrect and unfairly damaging my credit score. I request that you investigate these items and remove them from my credit report if they are found to be inaccurate.

I would also like to remind you that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and complete information. If the items I am disputing are found to be inaccurate, incomplete, or unverifiable, I expect them to be removed from my credit report immediately.

LAWA : Fair Credit Reporting Act ( FCRA ) Thank you for your attention to this matter. 

Sincerely, 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 2023-03-03 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: NC

Complaint narrative:
Improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03 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: NC

Complaint narrative:
Improper use of credit report or have any knowledge of hard inquiries, listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
On XX/XX/2022 I opened an American Express Credit card. Terms of a XXXX dollar deposit were met and on XX/XX/XXXX I was credited XXXX to my account for meeting the promotion. On XX/XX/XXXX, I contacted American Express and closed my account because too many small businesses does not accept their card. I opened a XXXX XXXX card which I am completely satisfied with. After my account was closed American Expressed charged the XXXX dollars to my CLOSED account. They said I closed the account too early and the were reversing the promotion. At no time was I told they would do that when closing the card nor does it say on their promotion advertising they can add the XXXX to a closed account. It states we may not credit the statement credit to, we may freeze the statement credit credited to, or we may take away the statement credit from you account. At no time did I authorize the XXXX being added to a closed account. Also American Express has been reporting to the credit bureau and crashing my credit. At no point has American ever contacted me to resolve the situation. The had an automated machine call me. I refuse to pay them XXXX dollars to a cancelled account and any late fees or interest accumulated. I would like American Express to fix this and my credit at the same time. They are a big company trying to push around a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I submitted XXXX on XX/XX/XXXX for 3 employers. On XX/XX/XXXX I received a letter saying that 2 of my employers had been certified. I did not receive any information on my 3rd employer ( XXXX XXXX XXXX XXXX. All 3 ECF 's were submitted and received as one PDF so they all should have been reviewed/approved. I called on XX/XX/XXXX and asked about the 3rd ECF. They said that it was reviewed and denied on XX/XX/XXXX which was when account was tied up in consolidation so it caused an issue. She said that she saw no issues with the ECF and would put in for review within XXXX business days. I waited XXXX business days as well as 90 business days from original submission on XX/XX/XXXX and have not received any information on this ECF ( including information when it was denied on XX/XX/XXXX ). This was my longest employer and would have ensured employment verification for PSLF. It appears that MOHELA did this as a delay tactic to delay forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reviewed my Consumer Credit Reports and I noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies must have assumed a vital role and have a responsibility to report Consumer information with maximum accuracy consistently. I have never been late on payments for the account : XXXX acct # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-03-03 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: SC

Complaint narrative:
I reviewed my Consumer Credit Reports and I noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies must have assumed a vital role and have a responsibility to report Consumer information with maximum accuracy consistently. I have never been late on payments for the account : XXXX acct # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-03-03 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: WA

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. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX # 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 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 2023-03-03 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: WA

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. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # 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 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 2023-03-03 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: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-03 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:
In accordance with the Fair Credit Reporting act XXXX Account, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  XXXX Account XXXX XXXX Account XXXX : XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : AXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NJ

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8600.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights XXXX XXXXXXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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