vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Texas 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 explanation
Consumer complaint received 2021-07-07 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:
TransUnion PROVIDED MY CONSUMER REPORT TO THE BELOW LISTED ENTITIES WITH MY CONSENT. 

Name Requested On XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am a federally protected consumer and you have violated my consumer protection laws by stating I owe you a debt and sending my personal information to the consumer reporting agencies. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). 
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit. 
When I entered into the consumer credit transaction with you, I extendedly credit using my credit card XXXX social ). Everything was supposed to come out of my OPEN END CREDIT PLAN which is coming from my social security account. 
Pursuant to 15 USC 1692a ( 4 ) Congress defines creditor as any person who offers or extends credit creating debt. 
Due to the fact that I extended my credit to you using my credit card ( social ) I AM THE ORIGINAL CREDITOR! Not you. You are a debt collector. Congress used the word PERSON, not corporation. This immediately rules out the possibility of you being the ORIGINAL CREDITOR. Bankruptcy laws and other case laws through Supreme Court title 12 USC banks cant lend credit.

Pursuant to 15 USC 1692a ( e ) Congress defines person a natural person or organization Pursuant to 15 USC 1692a ( 6 ) Congress defines debt collector as any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attend to collect, directly or indirectly Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. 
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I received a phone call at XXXX XXXX  from XXXX XXXX XXXX XXXX from someone claiming to be on a recorded line. I hung up but called back later to figure out who the call was from and was told I reached TRANSWORLD SYSTEMS INC. I can only assume this call was regarding an alleged debt ; however, I have received no mailed correspondence. I am writing this complaint as my formal written request to Cease and Desist all calls. As required by FDCPA, TRANSWORLD SYSTEMS INC. was supposed to send a written debt validation notice with information about an alleged debt it is attempting to collect. That written notice must be sent within five days of the first contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). 
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.

Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( XXXX ) the false representation of XXXX XXXX XXXX the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. 
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX  XXXX XXXX  XXXX # XXXX account is reporting XXXX, DAYS LATE XXXX XXXX XXXX XXXX  # XXXX account is reporting XXXX, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX, 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 explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS DEBT AMOUNT OF {$1200.00} IS INCORRECT, CREDIT LIMIT WAS {$700.00} AND WAS PAID, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE

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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This debt is not mines. This company keeps reporting on my credit report and it is a violation of my rights. Please remove immediately as these accounts are not mines. Show me a wet signature to validate that this is my account. You won't be able to because they are not mines. It is against the law to report erroneous accounts. I will sue if this is not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to Trans Union many times in attempts for them to fix the in accuracy on my account and they refuse to do that. They are still reporting that its an open account on a closed account from 2018! Ive sent many dispute letters To have them fix the problem and remove it and they refused stating that its allys financial Doing and sending me in circles! THE LAW IS THE LAW! Let me educate ... For one by law Under 15 US code 1681B-permissible purposes of consumer reports. 
( a ) In general Subject to subsection XXXX c XXXX 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.

I NEVER Gave TransUnion any written consent to report anything on my consumer report. No consent is identity theft. I demanded a deletion of this account. And secondly they need to be fine for reporting lies on my consumer 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 2021-07-07 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: TX

Complaint narrative:
Experian provide my consumer report to the below list of companies with my consent. 

Pursuant to 15 USC 1681b ( 2 ) The law says that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to furnish my consumer report to the companies listed below. 

1. XXXX  XXXX  Inquired on XX/XX/XXXX 2. XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX  XXXX XXXX Inquired on XX/XX/XXXX 5. XXXX Inquired on 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 explanation
Consumer complaint received 2021-07-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft ALLY FINCL Account XXXX : XXXX This is not mine.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).

Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.

Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Certified Services, Inc.
State: IL

Complaint narrative:
Certified Services Inc violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: LA

Complaint narrative:
On XX/XX/2021, I pulled my credit reports to check my scores. When I pulled my report I noticed fraudulent accounts and inquiries on my reports that I did NOT authorize or know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: LA

Complaint narrative:
On XX/XX/2021, I pulled my credit reports to check my scores. When I pulled my report I noticed fraudulent accounts and inquiries on my reports that I did NOT authorize or know anything about.

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 2021-07-07 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello, My name is XXXX. I would like to file a complaint against Barclays. I recently opened an account with them. After I opened my account I requested to transfer a credit card balance from a different bank. After I requested the first balance to be transferred from another credit card that belongs to a different bank, I requested a second balance to be transfer. The same day or the day after I decided that it was not necessary to transfer both balances, so I decided to cancel one of the transfers or the second balance that I requested. I spoke with a representative before both transfers were processed to cancel the second credit card balance transfer. At the end of the call, he told me that the second balance transfer was cancelled and only the first one was going to be processed. A couple of days after I receive a notification that my bank statement is XXXX instead of the XXXX that I requested. I called the bank to find out what happened, but they were not able to give me an answer. The manager who I spoke to mentioned that they were going to investigate and get back to me. She originally tried to dispute the transaction as fraud, but I explained to her that it was not fraud because I made both transactions, but I called after to cancel one of them to prevent the transaction from being processed. I did what I was supposed to do. Then, she mentioned that a letter was going to be sent to me with an answer within 10 days, but I recently noticed that she added the original balance of XXXX to my bank statement on top of the balance that was mistakenly sent before, meaning XXXX plus XXXX. I am not able to buy anything because I do not have any credit available. I explained to them that it is not my responsibility to deal with the consequences of this error because I did my part to make sure that this did not happen. I would like my bank statement to be as it is supposed to be. In addition, it is hurting my credit because it indicates that I utilized more credit than I actually did. To add, my credit went XXXX points down, and I am not able to pay my bills on time because I get rid of my other cards to be able to use this credit card only. Please advice. 

Thank you.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am a federally protected consumer and you have violated my consumer protection laws by stating I owe you a debt and sending my personal information to the consumer reporting agencies. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).

Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit. 
When I entered into the consumer credit transaction with you, I extendedly credit using my credit card XXXX social ). Everything was supposed to come out of my OPEN END CREDIT PLAN which is coming from my social security account. 
Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you XX/XX/XXXXout the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, Apt XXXX XXXX, Texas 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