vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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:
In accordance with the Fair Credit Reporting act. The List of Accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX, Bankruptcy XXXX XXXX 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 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 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 2023-05-24 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently tried to purchase my firs-time home buyer and I came across my credit report and I realized that I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report it is a defamation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MO

Complaint narrative:
First time was XX/XX/XXXX The male debt collector was very rude and verbally abusive used profanity and other words and made me cry and said it was his job to make me cry instead of trying to work with me and figure this situation out so I told him he could consider it paid. Then I heard back from them Monday, XXXX XXXX this is to different people. They were nice with me and we made a plan. However, they wanted me to contact loan companies to get a loan for {$4000.00} I didnt know how I was supposed to get them denial letters. She didnt want to give me an email address. I was given until this Friday which would be XX/XX/XXXX, so I called back today which is Wednesday, XX/XX/XXXX. I didnt get to speak with the person in charge of my account she didnt transfer me I dont know what happened anyway this lady was really rude started going off on me telling me what was happening with the debtor. The person who sent the debt talking over me telling me I have a house how do you have that youre on a fixed income, I feel like she was coming at me and not giving me a chance to give my side and explain my situation. Ive already explain my situation three other times, but I called them to find out. How do I send denial letters I was given an email I had to repeat myself multiple times. I finally just hung up because she wouldnt stop speaking over me and yelling at me, the original debt was XXXX and now its {$4000.00} I need help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: TN

Complaint narrative:
I have sent the credit reporting agencies and collection agencies many letters in XXXX and XXXX of 2023 to give me written notice regarding my debit. The credit report agency sent me a free copy of my credit report and thats all and the collection agencies never responded. Both agencies are in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debit and all refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as a American Citizen.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer.

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 2023-05-24 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: TN

Complaint narrative:
I have sent the credit reporting agencies and collection agencies many letters in XXXX and XXXX of 2023 to give me written notice regarding my debit. The credit report agency sent me a free copy of my credit report and thats all and the collection agencies never responded. Both agencies are in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debit and all refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as a American Citizen.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer.

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 2023-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
In XXXX I took out a loan on a XXXX XXXX with wells fargo bank, two years latter when the housing market crashed I lost my job and returned the car to them volunteerily with the understanding that they take the car and nothing else agreed to by my loan officer over the phone, 11 years latter I was sent to collections and refused to give them anything as per the original agreement with the bank, I received another attempt to collect with a different debt collector about a year after that and again refused because of the original agreement. In XXXX there was another attempt from yet another debt collector and I again told them no and refered them to my original agreement with the bank, now in XXXX on XX/XX/XXXX I was called along with my father and both brothers from an office calling itself the process office, after contacting them I was given a phone number and a reference number. After repeated attempts to contact the law office? I am not entirely sure they are but they do claim to be I was told the are bringing a law suite agents me for the debt on the XXXX in spite of the previous agreement made between myself and the bank, when I told them the statute of limitations has long sense expired I was told they are using a loophole in title 34 or something.

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 2023-05-24 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XX/XX/2023 - I sent pay for deletion certified mail document to National Credit Systems Inc after finding out this debt existed from checking my credit report. The immediately denied my request by telephone. 

XX/XX/2023 - Called National Credit Systems to figure out if anything was possible regarding payment plan. They agreed that if I could pay 70 % of the debt then thr accont would be resolved. Later in the same phone call I asked if I could get this agreement in writing and the agent said No because the offer is time sensitive. I pleaded with her that I needed it in writing and she said okay but the 70 % offer would be cancelled and I would have to pay in full. I said respectfully, I need proof of our agreed upon payment before I pay anything. She then proceeded to tell me that my credit would be ruined because they will make sure its reported every month. After the phone call, I received an email from the company regarding the agreement of 70 % paid would take care of the account. However, the agreement changed to 70 % in full by XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting XXXX different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another XXXX so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on XXXX and reporting {$43.00} Payment Status : Current Current Late XXXX  Days Payment says current but then is reporting XXXX  days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late XXXX  Days Late XXXX  Days Late XXXX  Days Payment status say XXXX late days and XXXX say XXXX late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says XXXX different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting XXXX different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting XXXX different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting XXXX different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was a victim of idenity theft I look at my credit report and see things I never applied for or have no knowledge of. these false allegations is becoming stressful because its reporting negatively on my credit report cause me unwanted stress. I would like for these false reports be deleted as soon as possible. I never did any businees or agreed to do anything with XXXX XXXX XXXX so I don't know how they got any of my personal information. I see they got it from a company called affirm in which this company already has my identity theft report that was sent to them back in XXXX or XXXX so I don't understand how XXXX XXXX XXXX got my information and how they reported it illegally to the credit bureau 's which is misleading correspondence debt collectors arent allowed to give false information about you to anyone including a credit reporting agency!! 
I want you to cease and desist all comunnication with me immediately and to stop reporting false information to the credit bureaus within 7 days of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: MA

Complaint narrative:
I am writing to dispute the following, on formation on my file, the XXXX collection account with the Account number XXXX and the date on it says XX/XX/22. The following information on my consumer report is inaccurate and according to FCRA is 15 usc 1681i ( 5 ) which is treatment of inaccurate or unverifiable information, on my credit report, I have send XXXX rounds of certified u.s postal service letters to all the XXXX ( XXXX ) credit bureaus and including the the XXXX, original creditor which is XXXX headquarters and the collection they sold its to which is XXXX XXXX XXXX, I sent they beat validation letters, and a Re-method of verification.the account was Re-aged account to my credit consumer credit report and they keep sent my a letter saying my account is verified, but, and I send them XXXX rounds of letters to no avail. I will be happy if u can re- investigate my information and delete the inaccurate information on my consumer reports. Thanks

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 2023-05-24 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: MA

Complaint narrative:
I am writing to dispute the following, on formation on my file, the XXXX collection account with the Account number XXXX and the date on it says XX/XX/22. The following information on my consumer report is inaccurate and according to FCRA is 15 usc 1681i ( 5 ) which is treatment of inaccurate or unverifiable information, on my credit report, I have send XXXX rounds of certified u.s postal service letters to all the three ( 3 ) credit bureaus and including the the XXXX, original creditor which is XXXX headquarters and the collection they sold its to which is XXXX XXXX XXXX, I sent they beat validation letters, and a Re-method of verification.the account was Re-aged account to my credit consumer credit report and they keep sent my a letter saying my account is verified, but, and I send them XXXX rounds of letters to no avail. I will be happy if u can re- investigate my information and delete the inaccurate information on my consumer reports. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: CA

Complaint narrative:
I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting 3 different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another one so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on one and reporting {$43.00} Payment Status : Current Current Late 60 Days Payment says current but then is reporting 60 days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late 30 Days Late 60 Days Late 60 Days Payment status say 30 late days and one say 60 late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says 3 different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting 2 different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting 2 different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting 2 different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate

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 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Southwest Recovery Services as its membership organization XXXX have breached confidentiality. A statement was issued for dismissal and was disclosed to the collector for abusive practices i.e. XXXX XXXX XXXX, formerly the membership director. The personally identifiable information disclosed to non-authorized persons was mishandled by Southwest Recovery Services. I often get stalked by Caucasian women wearing black clothing and hair dyed black pursuing me for reconciliation of the amount requested. I have filed police reports for XXXX assault, serious threats of social and political ostracism, and retaliation from the board of governors of the XXXX XXXXXXXX XXXX  XXXX, however, they were dismissed as being sensational. I have been making several reports to the FBI and the Office of the Inspector General ; however, no result has come about, and the stalking and disregard for common law continue -- threats of physical by gang members of assault with the intent to paralyze me and have my cadaver disposed of by drawing it, I've even had Southwest Recovery Services as locals hint at XXXX XXXX XXXX XXXX XXXX XXXX ; which, is the sum of the basis of a claim for asylum filed under the XXXX last Spring.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation