vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: IL

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: WI

Complaint narrative:
Good Morning, SOUTHWEST CREDIT SYSTE flagged my account as Collections on XX/XX/2021 stating an unresolved utility bill. When checkingwith XXXX as to any outstanding payments on my previous account, they stated there was never was an outstanding debt. The recent collection flagged as an open account in XXXX, I never opened an account at this time and the amount is the same amount for the XXXX, 2021 collection that was resolved. 
This company not only attempts to place collections on my accountfor money I do not owe they also call under a different name, XXXX XXXX and searching their name on line they are known for harassing consumers. I would think there is some legality here as it has alreadyhas been determined the money they are requesting for payment has been paid so I do not know how legally they can report on my credit a collection that is nonexistent and also call me in regards to. Therefore, I am turningto you for some guidance as to how to stop future collections being placed on my credit report as well as stopping the harassing phone calls. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NJ

Complaint narrative:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NJ

Complaint narrative:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking 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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Remove unauthorized, possibly fraud hard inquiry, XXXX via XXXX. I did NOT authorize this inquiry. I have filed a FTC complaint, provided affidavit and CFPB Complaints.

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 2021-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 explanation
Consumer complaint received 2021-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
TeK Collect are a 3rd party collection company ( purchased debt from doctor ) for A duplicate service. I had a series of tests conducted by the subject doctor over a period of time including a DUPLICATE TEST that was charged to my Insurance company that REJECTED the billing as being a DUPLICATE TEST! The doctor waited 6+ months before sending me a bill for the DUPLICATE TEST rejected by the insurance. I contacted the Doctor 's office explaining the XXXX [ XXXX TEST, in error ... during the beginning of the 2nd test I pointed out to the technician that I felt this was a DUPLICATE TEST FOR WHICH SHE RESEARCHED THE RECORDS AND CONFIRMED THE DUPLICATION... but stated since she had already started the test she would procede to complete the test... not to worry! 
The 3rd party COLLECTION AGENCY = TEK COLLECT INC ignored my DISPUTE and reported the so-called DEBT to the CREDIT BUREAUS which have posted a NEGATIVE 'DEBT COLLECTION '' on my file ... resulting in negatively impacting my application for a MORTGAGE to purchase a home. In addition I sent a CEASE & DESIST letter to TEK COLLECT with c/c to all THREE CRDIT BUREAUS. 
In addition I filed a DISPUTE with XXXX which has taken the side of TEK COLLECT ( a PAYING member ) in their attempts to collect the so-called DENT = DUPLICATE TEST BILLING rejected by my insurance company as well as myself!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2021-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a fraud alert on my credit report and multiple times a Macys account continues to report. All credit bureaus remove the account from my report but XXXX added it back on. They already investigated this matter and removed it but added it back on.

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 2021-09-27 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: World Acceptance Corporation
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: TX

Complaint narrative:
I AM A CONSUMER & Transunion is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters. I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.

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 2021-09-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Todd, Bremer & Lawson, Inc.
State: VA

Complaint narrative:
Someone from the debt collection agency called my wife around XXXX. 

He claimed to not know it was not my number, but this agency has been calling me for months, and they had never called her before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
I received a letter from ace cash express payday loan saying I got a loan that I didnt receive.They I need to pay by XX/XX/XXXX theyre taking me to and I need to pay XXXX they saying my payment was was return by my bank due to NFS.Theyre taking about taking money out of my check. Can they do that because I didnt receive anything I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 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 2021-09-27 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: FL

Complaint narrative:
I have filed numerous complaints against this credit bureau on this website for the same issue that I am complaining about today and this credit bureau has failed to provide the evidence requested and or remove the item from my credit report. This credit bureau continues to state that a XXXX XXXX XXXX account number XXXX that was allegedly owned by me that it is reporting accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and I requested of them ''There Method Of Verification ''. Now they got my request for there '' Method Of Verification '' on XX/XX/2021 and the Fair Credit Reporting Act clearly states that the credit bureau should provide me with there method of verification within 15days of me making the request. Today is XX/XX/2021 and to this date I have not gotten there method of verification and this is a clear FCRA violation. They cant and or they wont provide me with there method of verification but yet they refuse to delete XXXX XXXX XXXX from my credit report when I repeatedly asked them to do so. I keep on getting letters in the mail stating that it is been reported accurately but no method of verification is sent. 
The method of verification should entail : a ) The description of the procedure used to determine the accuracy and completeness of the information. 
b ) Name and address and telephone number of each person contacted regarding this alleged account. 
c. ) A copy of any documents bearing my signature showing that I had any form of banking relationship with this bank and the true status of that relationship now and then. 
d ) No E-Oscar response but a valid investigation was what was requested To this day no method of verification has been received by me and this is a clear FCRA violation.

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 2021-09-27 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed some unauthorized charges appear on my bank account, I checked my wallet and noticed my card was still in my possession but these charges were made online, with my regions card. I also had credit cards that were stolen from my wallet. I immediately alerted the bank and tried to dispute these charges. After a couple days I received an email saying that they had completed their investigation and would not honor my request of refunding me my money. I did not receive any explanation as to how they determined this.

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 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/2021 at XXXX, I received an email from Santander Bank regarding the opening of a bank account that I did not request. The account was attempted to be opened online using my PII. The only mismatch was the phone number. The fraudulent phone number according to Santander was : XXXX Santander said they will mail me an identity theft packet to fill out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
TeK Collect are a 3rd party collection company ( purchased debt from doctor ) for A duplicate service. I had a series of tests conducted by the subject doctor over a period of time including a DUPLICATE TEST that was charged to my Insurance company that REJECTED the billing as being a DUPLICATE TEST! The doctor waited 6+ months before sending me a bill for the DUPLICATE TEST rejected by the insurance. I contacted the Doctor 's office explaining the XXXX [ XXXX XXXX, in error ... during the beginning of the 2nd test I pointed out to the technician that I felt this was a DUPLICATE TEST FOR WHICH SHE RESEARCHED THE RECORDS AND CONFIRMED THE DUPLICATION... but stated since she had already started the test she would procede to complete the test... not to worry! 
The 3rd party COLLECTION AGENCY = TEK COLLECT INC ignored my DISPUTE and reported the so-called DEBT to the CREDIT BUREAUS which have posted a NEGATIVE 'DEBT COLLECTION '' on my file ... resulting in negatively impacting my application for a MORTGAGE to purchase a home. In addition I sent a CEASE & DESIST letter to TEK COLLECT with c/c to all THREE CRDIT BUREAUS. 
In addition I filed a DISPUTE with XXXX which has taken the side of TEK COLLECT ( a PAYING member ) in their attempts to collect the so-called DENT = DUPLICATE TEST BILLING rejected by my insurance company as well as myself!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: IL

Complaint narrative:
I have a fraud alert on my credit report and multiple times a XXXX account continues to report. All credit bureaus remove the account from my report but Equifax added it back on. They already investigated this matter and removed it but added it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation