vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I opened an account with a car dealership before the year XXXX, last transaction on that loan was XXXX. It's still reporting on my credit as and owed debt. It shows transaction was taken XXXX of XXXX. Which is untrue.

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 2022-04-02 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION 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

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 2022-04-02 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: CA

Complaint narrative:
My Name is XXXX XXXX, and somebody has stollen my identity.

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 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
I had a card opened with a company called Truist, a company based in North Carolina. I live in Oregon, so someone must've gotten my government identity to file for this card. They proceeded to charge XXXX dollars, overdrafting said card and potentially damaging my credit in the process.

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 2022-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: LA

Complaint narrative:
I requested validation of this debt in writing 30 days ago and have not received any response. I would like to report them and have this debt removed off of my credit.

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 2022-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agency regarding the medical debt placed on my XXXX and XXXX report. The company states they verified information but they could not have since they do not have access to any medical records. I did not give permission and they will be violating my HIPAA rights if they did get access.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: CA

Complaint narrative:
My Name is XXXX XXXX, and somebody has stollen my identity

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 2022-04-02 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: NC

Complaint narrative:
In checking my equifax online, I noticed another account being merged with mine. We do have similar names and other similar information. We have two diffrent social security numbers. Mine ends in XXXX and I am seeing some one elses report ending XXXX. This is a huge breach in privacy and is affecting my and this other individual as I see a collection of mine and a hard inquiry of mine on this other report. Equifax needs to get this fixed and stop reporting my information to this other credit profile as well as stop reporting this others profile 's information to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NV

Complaint narrative:
MRS Associates never once contacted me regarding the account in question. When I called them on XX/XX/22, after realizing my credit had been negatively impacted, they claimed that they did call my phone number. I asked if they ever left a message or spoke to me. They admitted they did not and stated they did not have to leave a message, that I should have called them back ( no phone number/company appeared for these calls that I can tell, and I am not in the habit of answering unknown callers to avoid spam/sales calls ). I stated that merely calling without actually leaving a message could not possibly fill the legal requirement for calling me and they stated that it does ( the representative I spoke to at XXXX, agreed with me that they did not meet the legal requirement and recommended that I complete this form ). I asked how they could place the derogatory without actually contacted me, and they then claimed that they texted me. I very vaguely remember texts about a Spectrum account. These texts did not state that they were a creditor in the texts, and I did not have a Spectrum account for over a year at that point, so I believed it to be spam and eventually sent a STOP message. Additionally, they claim they emailed me, but stated an email address that is not my actual email address. Finally, I did not receive any paper letters. If they had my phone number, they at minimum should have left a message stating who they are and requesting that I call back since it is common practice to not answer phone calls for unknown numbers and instead assume it is a sales-call or the like. When I called XXXX, they confirmed that calling but not leaving a message does not fulfill the legal requirement to contact me regarding the debt. In the meantime, they posted a derogatory on my account without ever first giving me a legitimate opportunity to make the debt right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: RI

Complaint narrative:
On or about XX/XX/2021 I contacted the original creditor ( XXXX XXXX ) with regards to the debt that has been forwarded to XXXX Account XXXX to which they are attempting to collect from me in violation of both Civil and Federal Rights. 

I had informed XXXX XXXX that no one had been authorized to open an account in my name and that I did not provide my explicit consent to authorize an account for electricity usage to be opened in my name at the property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, RI XXXX. 

I further informed them that for the 5 years of my residency at the said location the electricity had always been included in the rent because the electrical wiring was not up to building code nor was the property legally wired as a 3 apartment dwelling which would allow for the appropriately apportioned calculations for each unit. Therefore, the meters that had been installed were a result of criminal activity and a violation of the states building code at the time. XXXX XXXX intentionally ignored my numerous complaints and inquiries that followed soon thereafter my initial complaint in violation of my civil rights as an individual as well as federal rights as a consumer. 

In fact, the state 's city inspector affirmed that the meters were illegally installed and remanded the landlord XXXX XXXX XXXX to conduct the necessary repairs that would bring the electricity up to code at the above mentioned property. Attached is a copy of those said violations which clearly indicate that there was a jumper cable wire that still connected the 2nd and 3rd floor unit in order for the electricity to work because, the property had never been legally rewired in order to separate the electricity and install 4 separate new meters legally. 

Once again, I explained this to XXXX XXXX repeatedly and they did absolutely nothing to resolve the situation which will most likely end up in further litigation as the electricity should have never been transferred from the landlord to the tenant without my consent nor application. Especially, under the illegal circumstances and since, the landlord could not have legally made the tenants responsible for the electricity then this is not legally my debt. 

It's been nearly a year and until this date the property 's household meter still reads XXXX which is a clear indication of why this was all illegal in the first place. This is not my debt and these mega companies are way out of line. They will not be receiving a dime!!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2022-04-02 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: CT

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX 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 2022-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Account name 1 XXXX XXXX 2- XXXX 3 - 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account Number 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 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 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
I received a debt collection statement from Wakefield & Associates LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called the number XXXX that was on a statement mailed to me and said that I do not know the creditor XXXX XXXX that they are collecting a debt for. They asked me to confirm my address and date of birth. I told them I will give them the address of where this letter was sent to but I dont feel comfortable verifying my date of birth because this sounds like a scam. So the person on the phone said ok thank you, have a good day and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Concerning Case number XXXX. 

I never asked if the debt was valid or not. According to the FCRA consumer law, I should have had the option to opt-out of my personal information being furnished to the consumer credit agency, and I was not given that option. According to 15 U.S.C 1681a " report containing information solely as to transactions or experiences between the consumer and the person making the report ''. So by furnishing this information you are in violation of Federal Law. I ask that you delete the Navy Federal Auto Loan account from all credit agencies. This is also adverse to me which is another violation. Please remove it immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, I received an email saying that a six hundred dollar charge was sent thru my account that was pending after checking my account which opened to check. While my account was still up I called whatever number they express to cancel whatever charge this was. They sent another email saying it was confirmation of my cancellation only that when I opened the email it had looked like someone put money in my account {$5000.00} more than I had in my account I started freaking out that I might be in some trouble and was about to call my bank. That is when in one second all my money in my account looked like it was gone. They threatened me that they have to get back their money or all was going to be missing. They had me running from one store to another buying gift cards to send back their money after about {$3000.00} my bank Suntrust who now merged with Truist called to advise that I was having fraudulent-looking charges on my account to which I told them everything. I made a complaint to the gift card company. I filed Complaints with ftc.gov/scams report number : XXXX and my State Attorney General. I never would have made any of these transactions if I was not under duress. 
Please assist if you can. 

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 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I received a Chase XXXX Debit card in my name linked to account number i do not own

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: CT

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: CT

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX 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