vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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: GA

Complaint narrative:
FILE CONFIRMATION NO : XXXX I sent in and spoke with a representative at Equifax to have an inquiry removed from my report because I did not give anyone permission from that company to inquire on anything about me. I completed the dispute process as suggested by the representative and I received a message from Equifax. The message said they opened the investigation on XX/XX/XXXX and then I received a message that they closed the investigation on XX/XX/XXXX. What kind of investigation happens within this timeframe? I am seeking a response with the description of the procedure of re-investigation. In addition, I want to know how they were able to confirm this information when I am the consumer and they should be talking to me, and no one called me about this. Who did they talk to and who gave them permission to talk to them? 

I know according to the code I have a right to privacy, and they have violated that right also. See the privacy act of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.

And US 1681. Congressional findings and statement of purpose ( a ), ( 2 ) ( 3 ) and ( 4 ) in particular.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

The description of procedure of reinvestigation can be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NY

Complaint narrative:
n accordance with the fair credit reporting act DPT ED 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NY

Complaint narrative:
XXXX accordance with the fair credit reporting act DPT ED 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 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I received an email that XXXX XXXX XXXX owed XXXX  XXXX {$3000.00}. I dont know who XXXX XXXX XXXX and I dont owe XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I lost my wallet in XX/XX/2019, it contained my SS card and Drivers License, since I have had ongoing issues with unauthorized individuals applying for credit in my name, many fraudulent inquires, which have affected my ability to obtain employment and credit, as well as affecting my credit score. Please remove the following inquires as they are fraud : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: PARK NATIONAL CORPORATION
State: OH

Complaint narrative:
Guardian finance is still reporting on a account that is closed and should be removed its been 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I got a collection from Credit Coll where it said that it was opened on XX/XX/XXXX and last activity was on XX/XX/XXXX with the account number XXXX where i never had any written contract or any account with this company with a debt that i didnt owed for XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: IL

Complaint narrative:
I've observed that my consumer reports contain illegal unauthorized accounts. This reporting agency has integrated this erroneous data despite my repeated warnings. The FCRA 's requirements have been consistently disregarded by this agency.

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 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2022 the citi cc service said I can't use my new cc, they can't verify my info asking for others cc info. They won't Close my cc because they are mailing me something they are still charging me for information they can't verify.

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 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a large purchase, which was emailed to inquiry if indeed i made the purchase and to approve it, they approve it, but then restricted the account by the fraud prevention. This fraud prevention was never requested, and its being used by citibank to harass me, limit use the card. Its not the largest charge. On XX/XX/XXXX made a charge of close to {$9000.00} paying property taxes online. This time was {$4800.00}, calls to Citi are transferred to some call center. They dont understand or speak american english, and they can not assist. The overseas call centers must end. 

A customer in good standing should be able to charge and use their credit without being harassed or shunned by citibank 's employees.

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 2022-03-14 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: GA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX XXXX XXXX XXXX XXXX XX/XX/2016 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: PA

Complaint narrative:
Confirmation # XXXX On XX/XX/XXXX I submitted a complaint/dispute with Equifax and in this Complaint/dispute I made them aware that I was a victim of identity theft, I provided an FTC report/affidavit and a copy of my drivers license and Social Security card for security/identification purposes . Equifax responded to me via mail stating that upon reinvestigation, information you disputed has been received the results are : please contact the creditor directly and follow their internal fraud procedures inquiries are a factual record of file access. That is a direct violation of my consumer rights under 15 USC 1681i ( 2 ) Prompt notice of dispute to furnisher of information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Items disputed. 
Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
A phone call was made on XX/XX/XXXX, to General Business Recoveries ( GBR ) regarding a medical Debt from XXXX XXXX XXXX ( XXXX ) in the amount {$150.00} from the year XXXX. 
I verbally disputed the debt then GBR rebuttal with a 'financial agreement ' signed by myself in which a copy was sent via USPS mail from GBR. I indicated to GBR I have not been to XXXX since XXXX or XXXX and any monies owed were paid in full. During this phone call GBR Recovery Specialist XXXX Ext XXXX made the threat to enter this debt on my credit report. 
Shortly, after disputing the debt verbally, a copy of the 'financial agreement ' was received via USPS mail from GBR. Despite the fact I verbally disputed this debt, GBR proceeded to enter this debt on my credit report. Another phone call was made on XX/XX/XXXX. I asked GBR Recovery Specialist XXXX Ext XXXX several times will the debt be deleted on my credit report as I did not owe any debt to XXXX, and why wait six years later to try and collect an invalid debt. I also stated the 'financial agreement ' was not a binding agreement specifically to this debt of {$150.00}. XXXX. The signature signed from XXXX is null and void. I declined itemized billing as I do not agree with the billing and due to the age of the bill as I can not verify anything with one of my insurances as XXXX no longer has the XXXX  contract. GBR Recovery Specialist XXXX Ext XXXX replied, that this is not going away. I asked several times would this debt be taken off my credit report, to which XXXX Ext XXXX refused to answer the question and hung up the phone without responding to my question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My wife and I purchased a vehicle that broke down before one month of purchasing it. We towed it to a dealership to fix it, the cost was too high. XXXX XXXX  XXXX repossed the vehicle. 
I requested a settlement, they agreed for me to make a {$1500.00} payment to remove it from my credit profile. After I made the payment since XX/XX/2021, I have been calling them. Every time I call they say they will remove it but they never did. They asked me to dispute it so That it can be removed faster, I did, then they replied it is accurate. That was the only money I had. I made a sacrifice to make the payment, now that they have taken the money, they refuse to honor their commitment. They played with my willingness to pay and they lied to me. 
Please, I need help. I have been unable to buy a vehicle since then, I am unable to go to work. They have caused me so much pain. I need them to remove this from my credit profile and compensate me for the hardship they have caused since XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: GA

Complaint narrative:
To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX XXXX ] ran an unauthorized credit inquiry on me on [ XX/XX/XXXX XX/XX/XXXX ]. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$820.00} XXXX : XXXX -- -> : {$550.00} XXXX : XXXX -- -> : {$460.00}

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a victim of identity theft yet the company has decided against me to keep my account open. I have been trying to fight this case for the past 2 months and I have now had enough of trying to fix this with them. I will be attaching a letter in detail describing my situation and the laws they violated as well. I have legal representation prepared incase the outcome is not satisfactory to my desired outcome of this situation. They are violating my rights as a consumer and denying me an account that I did not commit fraud under which is a major violation under these laws : 1. 15 U.S Code 5 1642 2. 15 U.S Code 6 1681M 3. 12 CFR 1002 I have previously submitted a complaint via CFPB, XXXX  and the Attorney General of California yet I was still denied. This will be my final attempt before I seek monetary compensation and pursue in litigation for defamation of character and mental anguish/trauma under 15 USC Section 1692d.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello, my name is XXXX XXXX. I have attempted to inform Transunion, LLC multiple times about their grave responsibility as a furnisher to ensure they are reporting 100 % accuracy. They have failed and I plan on taking up litigation. I have reasonable cause to believe this information is in fact inaccurate. Please see my response in the document. Thanks for your help in this mediation.

Violation : FCRA section 623 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. a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

i did place an exhibt for you to review.

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 2022-03-14 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
I am writing to file a complaint about the collection and reporting practices of XXXX XXXX. 

In XX/XX/XXXX my husband and I lost our home to foreclosure and moved into an extended stay hotel, and have been living here ever since. ( Not by choice but because of foreclosure ) We did not immediately have our mail forwarded so I dont know if we received a final bill or not, but a collection from XXXX showed up on my credit report shortly afterwards. For a brief period of time they reported it, but then it was removed. 

XXXX  year ago in XXXX, I had finally reached the point that we could apply for an apartment, but when I did we were denied. The reason was a new collection. The new collection was a collection by XXXX, but the dates had been changed to show it as a recent delinquency. When I called the XXXX billing department the man admitted to me that he had pulled back the first collection and re-submitted it with a new company. He told me if I didnt like it I could just pay my bill. 

Then I went into the office and asked for information to prove the debt and they told me they didnt have anything to show me because there was no information in the computer. So I disputed it with the credit bureau and after several attempts I was able to have the re-aged collection removed from my report. But it took a year to return to my previous score. 

Now a year later in XX/XX/XXXX my credit score had gone up enough that I was pre-approved for a mortgage, but before the process was completed a new collection, from a new collection agency for XXXX XXXX, for the third time has appeared on my report again. It is not a collection that shows the status date XXXX, instead it says it was incurred a month ago. And it is glaringly showing up as a new collection again, my XXXX score has dropped, and I now have to wait to buy a home or rent a house.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
XX/XX/2022 I disputed XXXX XXXX XXXX as they are showing this account now to be open. Which it is a closed account and now my credit dropped XXXX points and also re aged this account. TransUnion came back as verified both times I have disputed this FCRA violation.

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 2022-03-14 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-14 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: DE

Complaint narrative:
Demanding All Inquires Be Removed

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