vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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: MI

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. 



Account name : 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 2023-04-19 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
its daily for the past XXXX to 3 years at least XXXX to XXXX calls a day with Portfolio recovery Different phone numbers different parts of the country. They called me from the gym. Call me from a XXXX number different phone numbers different parts of the country. They called me from the gym. Call me from a XXXX number your data. 

sometimes they call the middle of the night sometimes they call early in the morning

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: FL

Complaint narrative:
On XX/XX/2023 I called TransUnion, XXXX and XXXX credit reporting agency and informed them I pulled my consumer report and realized there were inaccurate information being reported on my consumer report. I initially spoke to the reporting agency to have this matter corrected. I have mailed in supporting documents. I am hereby notifying you that on those dates or similar dates I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given the credit reporting agencies permission to furnish this information. Have understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
hello yes I have i tried to resolve this issue with these companies XXXX XXXX XXXX told my to upload this letter and ask you guys to delete this fraud account XXXX  sent me this so I'm uploading

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 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lyons, Doughty & Veldhuis, PC
State: DE

Complaint narrative:
Lyons, Doughty & Veldhuis, P.A. has garnised my wages for an account I've never opened nor have any knowledge of. I've never signed any documents for the supposed account I was never called, emailed, or mailed anything in regards to the alleged account. I asked them to provide me proof that the alleged account belonged to me. I asked them to provide proof the alleged account was opened in my name with my identification my signature, the dates the alleged account was opened as well as all original creditor information. I provided the company proof of residency, proof of police report, proof of credit report with different dates the account was supposed to had been open as well as different balances of the supposed account. I asked them to stop the wage garnishment as well as reimburse me for the funds they wrongly took from me and remove it from my credit report. I sent everything via certified mail which I have proof they received and signed for. Wage garnishment dates and amounts XX/XX/ {$180.00} XX/XX/XXXX  {$190.00} XX/XX/XXXX  {$180.00} XX/XX/XXXX  {$190.00} XX/XX/XXXX  {$200.00} XX/XX/XXXX  {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: MI

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. 



Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: MI

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. 



Account name : 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 2023-04-18 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: CA

Complaint narrative:
I am a victim of identity theft due to Equifax XXXX breach which negatively impacted my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc.
State: FL

Complaint narrative:
Yes someone sends they self money when my phone was stolen cash app never gave me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

I am writing to dispute the account that are currently being reported on my credit report. I initially disputed these accounts due to identity theft concerns, but now I am disputing them because the debt has not been validated within the required timeframe. I do not need to provide further documentation and I am not required to do so. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Furthermore, the FCRA requires that credit bureaus investigate and respond to disputes in a timely manner. The creditor reporting the negative accounts is also required to do this with the same guidelines or they have to delete the accounts and stop reporting. 

Not only did you fail to properly validate the debts within the 30-day period, but they also failed to do so within the 45-day and 60-day periods allowed by law. I have disputed these debts multiple times, but the credit bureau has not provided adequate validation for any of them. 

According to the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ), " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' I have taken the necessary steps to address this issue with you, but your response has been unsatisfactory, and they have acting negligently and not in a timely manner. 

Therefore, I believe that you have violated my consumer rights by failing to comply with several federal laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These violations include, but are not limited to, attempting to collect a debt that has not been validated, harassing me with multiple phone calls and letters, and reporting inaccurate information to credit reporting agencies. 

I request that you investigate this matter and remove and delete the disputed accounts from my credit report as soon as possible as you are violating 15 USC 1692g. Please. Please provide me with written confirmation of the deletion of these accounts. This is a time sensitive matter and I have already been denied a home loan because of the inaccurate reportings and should this matter not be resolved as soon as possible then I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Yes I got contacted and the lender at MTH says Im not qualified and denied due to no income proof. Even when I provided my SSI as my only resource of income. He told me its not. I do not qualify with an SSI income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was transferred from Great Lakes to Nelnet for my federal student loans on XX/XX/XXXX. My loans have been in Covid Forbearance since the beginning of Covid and I have made payments towards them ( XXXX this year alone ). I have XXXX accrued interest as I have been making payments and the interest rate has been XXXX Today, XX/XX/XXXX, I get a notice that my account is ready at Nelnet. When I log in I noticed that my account has accrued interest in the amount that is equal to 14 day across both loans ( note that is 14 days between XX/XX/XXXX and XX/XX/XXXX ) I call them to remedy the mistake, they tell me it is because I have accrued interest since before Covid. I tell them that is impossible as I have payment receipts as well as emails from Great Lakes about this transfer that state I have a {$0.00} interest balance AND the math is exactly 14 days, they do not believe me I fear that they are going to continue to charge me interest every day, incorrectly and illegally, and I can not stop them The documents I have uploaded : Greak Lakes XX/XX/XXXX XXXX  - Receipt of payment in XX/XX/XXXX that shows XXXX accrued interest Great Lakes Nelnet XXXX  - Notice from Great Lakes that my loans will transfer on XX/XX/XXXX and that I have {$0.00} in accrued interest Nelnet Loan Info XXXX - My accounts at Nelnet as of XX/XX/XXXX that show that I have accrued 14 days of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
TRANSUNION is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting TRANSUNION to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. TRANSUNION has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number : XXXX. XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. TRANSUNION is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT 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 2023-04-18 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: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I never once gave my information to XXXX XXXX XXXX so i dont know how can i owe a debt when I never signed a contracts with them. I also put on claim with them on XXXX XXXX nobody have still responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an 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 2023-04-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used capital one credit card travel program to purchase three airfares on XXXX XXXXXXXX. One must go through capital one travel ( C1T ) agent in order to book seatings on airplane. I called C1T to book three airfares for my wife XXXX and son XXXX. The air flight to depart from XXXX XXXX airport to XXXX XXXX on XXXX and returning XX/XX/XXXX. About one week later, we needed to our flight schedule to XX/XX/XXXX to XX/XX/XXXX. I called C1T back and they confirmed that all changes of schedule have to go through them. the new schedule was changed via a C1T agent. C1T has a recording of all phone conversations. I called back to C1T stating that on my travel page on C1T did not reflect the new schedule. C1T said it is fine as long as I received an email for XX/XX/XXXX to XX/XX/XXXX flights. Yes, I did. Then this is where the communication was broken down. on XX/XX/XXXX, I received an email form C1T that my flight might have a change and a C1T might call me or to contact XXXX XXXXXXXX. Since I remembered from earlier calls with C1T that all changes go through them. I waited for C1T call that did not come. Plus, I thought the change was related to the change of flight that I had done with C1T. Of course, XXXX  cancelled our returned flight and we did not know about it, until we called in to confirm our seats on XX/XX/XXXX. XXXX  put me on a returned flight to XXXX XXXX and my wife and kid to XXXX on a different flight. XX/XX/XXXX was a wasted day as our flight plan was totally changed. I was out of pocket for XXXX trip from XXXX to home and I had to drive to XXXX later than night to pick up my family. Next day, I had to pick up my car at XXXX airport that had an extra day of parking. the following week I called C1T to explain the break down in communication. C1T supervisor said they have all calls recorded and to review. I told them the XX/XX/XXXX email that C1T was to call me. No one from C1T called. I told them in a recorded conversation with C1T that all changes to go through C1T. in fact, the agent of C1T told me in a recorded conversation when I had to change my flight plan. I have attached them for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: NJ

Complaint narrative:
I noticed 2 accounts on my report that do not belong to me

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