vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: SC

Complaint narrative:
XXXX XXXX Amount {$350.00} Dates XXXX XXXX, XXXX  In accordance with the Fair Credit Reporting Act 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

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 2022-05-20 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: SC

Complaint narrative:
XXXX XXXX Amount {$350.00} Dates XXXX XXXX, XXXX  In accordance with the Fair Credit Reporting Act 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

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 2022-05-20 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX ( XXXX  XXXX ), XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX ) 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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Furniture was removed at our request so that XXXX XXXX could put her furniture there. Now they are trying to charge us for the furniture that they removed. Now they have me, XXXX XXXX XXXX, and ; XXXX XXXX in collections. We went there and they told us to submit an affidavit and the matter would be resolved. 
They have new management there since the incident. Now no one will respond when we ask what to do next. 
After trying several times to resolve incorrect credit reporting on my credit report, I went to the place to try to resolve the issue. They told me to submit an affidavit. We did that Im sending the copies to you and now they fail to respond when we ask them what are the next steps. 
I am XXXX XXXX XXXX. The student is XXXX XXXX. Her mother is XXXX XXXX. The mother and daughter were there when the furniture was removed that they are trying to charge us for. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UPGRADE, INC.
State: MA

Complaint narrative:
I signed up for a {$400.00} bonus offer from Upgrade. This offer was published on the XXXX XXXX website. The offer was to sign up for rewards checking, fund the account, make 3 debit card transactions within 60 days, and the {$400.00} bonus would be deposited to my checking account. There were no other requirements in any website including Upgrade 's website. 
I met all the requirements and called about the bonus. At that time I was informed that there was an additional requirement. That was to join the XXXX XXXX XXXX XXXX, open a line of credit and secure a loan. I told them that requirement was not listed anywhere on the website 's offer. I was told that was the requirement anyway. I asked what the interest rate was for the loan and how much I was forced to borrow. They said they couldn't tell me and I would be notified of that information after I signed up for the line of credit. I told them I was not interested in taking out a loan or opening a line of credit with this credit union that I knew nothing about, and I was told if I didn't join the credit union and open the line of credit then I would not get the {$400.00} bonus. 
I called the XXXX XXXX XXXX XXXX and they said they knew nothing about the requirements for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have mailed Midland Funding LLC with XXXX separate letters, and also dispute information with all three CRA. With the online dispute it is coming back as verified, but they are not giving any information on how it is verified. I also sent them letters, XXXX on XX/XX/XXXX and XX/XX/XXXX requesting for them to remove this debt off all XXXX of my CRA. I have never received any correspondence back from XX/XX/XXXX & I still have not heard or receive my green card receipt from that company. I am requesting for Midland Funding to remove this off my credit report due to CFBP subpart b-rules for FDCPA Debt Collectors 1006.18 False, deceptive, or misleading representations or means. 
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 

( b ) False, deceptive, or misleading representations. 
( 1 ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney. 


They have on my credit report that they are an attorney and a collection agency and have tried to take me to court in XXXX. Everything they are doing or have tried to do is illegal and none of the credit report agency or debt collectors respecting or following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: MI

Complaint narrative:
See complaint # XXXX I have requested for fairly simply information. Discover acknowledged my initial complaint was valid and promised it would be corrected 2 months ago. It has not and Discover is now refusing to provide the proof that they did report the Discover card which is in my name to 4 different credit bureaus. please see attached letter dated XX/XX/2022. 
In complaint # XXXX I requested proof ( a copy of the XXXX ) that Discover did indeed do as they said they did. Discover seems to think they can lie and stall without consequences. As a result of my complaint Discover has now retaliated against the owner of the account XXXX XXXX XXXX a XXXX Vet, injured while serving this country. This type of behavior does not happen without the go ahead or authorization of the CEO of Discover XXXX XXXX XXXX XXXX. I am sure XXXX XXXX has authorized the attack on thousands if not millions of other consumers and since our politicians or agencies responsible for preventing this type of behavior bribed to do nothing, Americans are finally recognizing they must defend themselves. Therefore, I will be posting XXXX XXXX contact information on the appropriates sites so that consumers can defend themselves. For instance here is his XXXX XXXX dollar home in XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Sad, we have so much corruption and greed in this country and it is always up to the PEOPLE to end it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wrote to XXXX and XXXX XXXX XXXX located in XXXX DE at the direction of Citibank as Citibank said they are no longer handling my debt on my credit report. I made sure I sent certified mail on 2 separate occasions. I sent them ( XXXX and XXXX ) a letter XX/XX/2022, and XX/XX/2022 and to Citi themselves XX/XX/2022 and requested any sort of verification, validation, fee breakdowns, etc. No one has responded ever. I asked for them to validate and verify the debt as the amounts I owe are unclear and no one can seem to give me a breakdown of fees and no one is willing to help me. I can't even pay the debt if I wanted to yet it lingers on my credit report. i have also disputed this with the credit bureaus and they have failed to help either. They continue to lie that they verified this account - but that's not possible as the reporting is incorrect with an incorrect balance, it's been illegally re-aged, it's reporting current and has been closed for years.. No one will help. I need you to step in! THis is my credit and my livelihood.

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 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I am a natural person/ not a third party I just know my rights I have never enter any contract nor did any business with MRS BPO AKA MRS ASSOCIATES. This was a fraudulent account open under my name and I did not do any business with att nor this debt collector and the I gave notice to both of the companies. This is a violation of the FDCPA!!!! I sustained damages and I demand reimbursement!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT XXXX ARE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Account charged off. {$960.00} written off. {$960.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX account FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Was not the generator at the time for student at XXXX XXXXXXXX XXXX Student used her credit.XXXX Florida. This was definitely fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. This ground for removal under : 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 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 explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a " payment on a credit card account under an open end consumer credit plan as late for purpose.

372k

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 2022-05-20 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: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-05-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

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 2022-05-20 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: PA

Complaint narrative:
TRANSUNION CONSUMER SOLUTIONS dba TRANSUNION LLC has violated my rights as a CONSUMER and this has caused me a great deal of emotional and mental stress. 
TRANSUNION CONSUMER SOLUTIONS was put on notice to Cease & Desist as of XX/XX/2022 the following alleged accounts/information due to CONSUMER Right To Privacy 15 USC 1681 Section 602 ( a ) as TRANSUNION CONSUMER SOLUTIONS et all does not have any written permission from me pursuant to 15 USC 1681 XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  & XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX DEPT OF ED / XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion received the Notice to CEASE & DESIST on XX/XX/2022 via certified confirmation receipt, number available.

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