vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Constar Financial Services, LLC
State: SC

Complaint narrative:
I've received a notice from Constar Financial Services LLC regarding an alleged debt whom has violated the FDCPA by infringing on my rights to privacy. As a consumer I have not extended credit to Constar Financial Services LLC. 

They have have identified themselves as debt collectors and are attempting to collect a debt. It is a violation to state that a consumer owes a debt in reference to 15 United States Code 1692e ( 2 ) ( A ).

I have exhibit from Constar Financial Services LLC where I marked all of the violations along with my invoice showing that how much they are civilly liable to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: TX

Complaint narrative:
On XX/XX/22 i sent a letter regarding inaccurate and undisclosed things on my credit report to this day over 60 days later I have not received a response yet. I feel like im 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 given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress your causing 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 2022-09-25 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: TX

Complaint narrative:
On XX/XX/22 i sent a letter regarding inaccurate and undisclosed things on my credit report to this day over 60 days later I have not received a response yet. I feel like im 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 given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress your causing 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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with Equifax - from my understanding complied with the terms of my dispute and updated my credit file. The issue has now become I do not have access to my updated credit score, nor my updated report showing the new report after the completed disputes. Every time I call in to get an updated score or have a report sent to me they try to sell me credit monitoring and other services to show me my report. Due to the nature of the dispute I should be able to see updated information using their free login once everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Made a charge on XX/XX/22. 
Filed charge dispute on XX/XX/22 with Avant credit card. 
Was told of varying time frames from Avant as to when the dispute will begin. 
XXXX XXXX Avant did send a letter requesting common information that I could not be home to readwas away from home for six weeks due to death in familyso I missed the deadline to render the information. 
XXXX XX/XX/22 Avant sends a letter denying the dispute due to my not getting back to them. 
Ive called several times, left messages.NEVER A RETURN CALL, MY CALLS WENT YO AN ANSWERING SERVICE.NEVER A CALL OR EMAIL! 
Ive filed recently a CFPB complaint that has never addressed avants lack of communication and Avant never mentioned my attempts to contact them. 
A {$95.00} purchase ballooned to {$150.00} with fees/penalties. 
XX/XX/22 Ive remitted the {$150.00} to Avant because of PHONE CALLS AND EMAILS FOR COLLECTION OF DEBT BUT AVANT NEVER RETURNED MY PREVIOUS CALLS WHEN I WANTED TO RENDER THE PREVIOUSLY REQUESTED INFORMATION/APPEAL THE DISPUTE DENIAL! 
I missed the mail and their one call due to poor telephone reception. 
Furthermore avants call service is overseas and poorly pronounced English.very difficult to understand. 
To add insult to injury all of this happened during a time of bereavement andthe website I made the purchase fromduring all of this .it closed with my information. 
With my Avant credit card number. 
And on XX/XX/22 I called Avant to put a block on my card. 
Today when I made the paymentmy card wasnt blocked. 
I dont want another softball answer, I want them fined/punished and my {$150.00} refunded. 
And I XXXX  Avantthey do have a fraudulent history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: OneMain Finance Corporation
State: PR

Complaint narrative:
One Main Financial. They inquired my credit report on XX/XX/2022. They did this without my authorization. I sent a letter on XX/XX/2022 asking for proof of my consent or have the inquiry removed. They falsely claim that they obtained my consent through a third party called XXXX XXXX. I have never requested credit from neither of them. They also said they are not going to seek removal of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: GA

Complaint narrative:
inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

XXXX u, XXXX XXXX section XXXX A. states i have rights to privacy. 

XXXX u, XXXX XXXX section XXXX A. section XXXX ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

XXXX u, s.c XXXX ( a ) ( XXXX ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates to the report by more than seven years XXXX u, XXXX XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . 

XXXX u, XXXX XXXX section XXXX A. states i have rights to privacy. 

XXXX u, XXXX XXXX section XXXX A. section XXXX ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

XXXX u, s.c XXXX ( a ) ( XXXX ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates to the report by more than seven years XXXX u, XXXX XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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:
I sent the letter on XX/XX/2022 to XXXX Trans Union and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law XXXX XXXX XXXX procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute 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 which the agency received the notice of the dispute from the consumers or reseller

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 2022-09-25 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: IL

Complaint narrative:
I sent the letter on XX/XX/2022 to XXXX XXXX XXXX and Equifax however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law XXXX XXXX XXXX procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute 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 which the agency received the notice of the dispute from the consumers or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
My cc was compromised on XX/XX/XXXX while traveling from Florida to Georgia. I was notified by 5th 3rd Bank by e-mail and text saying that my card had suspicious activity and I immediately called the fraud department to inform them the charges were not mine. I had two charges one being {$120.00} & the other for {$100.00} on XX/XX/XXXX. I was issued a case # thru the fraud department at 5th 3rd Bank and called several times thru the process of completing the removal of fraud charges, to include late fees and interest on my cc. I was issued a new card via expedited services from the bank and got charged {$30.00}. I have never used either of the cards from that point of the fraudulent charges. A case was opened on XX/XX/XXXX for the 2 disputed charges. I called again to just check the status as the FRAUDULENT charges were still showing on my old card. I paid my last payment in full in XXXX minus the two charges in the amount of {$220.00} and fees charged for the card with the outstanding balance still attached. I was reassured by the fraud department that I WOULD NOT BE RESPONSIBLE for all the extra late fees monthly as well as the interest charged. The policy at 5th 3rd is a 90 day window to complete the case which was finally rectified in my favor on XX/XX/XXXX and to date the charges are sitting on my replacement card with late fee and interest charges. I called the fraud department and spoke to a supervisor, XXXX who said she would have to check into this again. She left me a voicemail on XX/XX/XXXX telling me I still had an outstanding balance left on my last statement that had the fraud charges which I did not include in the full payment and are showing outstanding on my replacement card. I also went thru my XXXX statement online and have ZERO CREDITS FOR THE FRAUD CHARGES. I had told 5th 3rd Bank all along that I would not include the full payment as I was not paying the fraud charges. Nowhere on my day to day statement do I show a credit for the charges of {$100.00} & {$120.00} to include a {$40.00} late fee, and interest fee. I have not charged one thing on either card since the fraud happened on XX/XX/XXXX. This could be any easy fix as the amount of FRAUD IS the only thing left on my replacement CC. I have tried to tell them this and they seem to be trying to pull a fast one as if they can not see the fraud disputed amount is on my new cc issued and show it was not paid in full on my last statement. I am now referring my complaint to you all for help in resolving the issue as the amount of time spent on the phone holding is not working due to my work schedule. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
on XX/XX/2022 I sent a letter to I. C. Systems requesting debt validation for a collection account listed on my XXXX credit report by the name of XXXX XXXX XXXX for in charge in the amount of {$470.00}. i do not owe this debt and i would like it to be removed, i never received a response to my debt validation letter so i would like it removed.

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 2022-09-25 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: CA

Complaint narrative:
In XXXX someone stole my identity information and attempted to get credit cards with this information. I have been working since then with all three credit bureaus and basically have things fixed with XXXX and XXXX, but Trans Union refuses to make the corrections without this report. 

There are XXXX fraudulent hard inquiries showing on the TransUnion credit report on XX/XX/XXXX : XXXX and XXXX XXXX, which was for a XXXX credit card. Weirdly, both of these attempts were successful in opening accounts although they did not appear to have my Social Security number, thank XXXX. I called XXXX and I called XXXX XXXX and reported these fraudulent hard inquiries and they both told me they would contact the credit bureaus. I believe they have done so because it appears to be basically resolved with the other XXXX credit bureaus but Trans Union won't resolve it and keep lowering my credit rating, which was XXXX when this all started. 

I think the way this happened is that someone was able to get into my XXXX account using my email address, and then changing it to XXXX of their email addresses so they could access everything in that report I guess. Who knew it could be that easy.

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 2022-09-25 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: LA

Complaint narrative:
This is not a DUPLICATE Report and this not filed by a XXXX XXXX or XXXX XXXX XXXX. 

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights under XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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 2022-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I, the consumer and natural person have done extensive research of my consumer report. I noticed that there has been an account placed in the charge-off status. Defined by the IRS a charge off is considered canceled debt which is known as INCOME. INCOME can not be reported on a consumer credit report. I also noticed that you are alleging that the following account is negative without furnishing any proof of VALIDATION not VERIFICATION of the alleged debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX I know that you did not do your due diligence in obtaining validation of this alleged debt because XXXX XXXX XXXX is in violation of not reporting this alleged loss to the IRS because they, themselves can not provide the VALIDATION of the alleged debt. They also stated to me that they sold the vehicle and received some compensation. But they are still trying to collect the amount of the alleged debt. XXXX XXXX XXXX also violated my rights under The Truth in Lending Act. I will get into detail with them about that myself. 

As you know, it is against the law to report any information not proven accurate. 

Once again, I demand concrete proof and evidence of the VALIDATION of the alleged debt. A copy of the contract or payment history will not suffice as I stated that the company is already in violation. 

Please be aware that all negative remarks found on my consumer report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

If you are unable to provide me with the full reports of how YOU, Experian VALIDATED and VERIFIED and how you are in compliance then you must remove this account from my consumer report immediately! 

I expect to receive a response 15 days from the date of receiving this notice. 

I have included more information for verification : My SSN- XXXX DOB : XX/XX/90 Best Regards, XXXX XXXX XXXX ' Done in good faith. Without prejudice. All natural inalienable rights reserved.

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