vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: MO

Complaint narrative:
I have been requesting that you correct my Credit File from reporting erroneous information and yet you have failed to do so. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. You claim that these accounts are verified and yet you have not sent me any copies of proof of verification from your investigation which is a clear violation of my consumer rights.

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 2022-12-01 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: MO

Complaint narrative:
I have been requesting that you correct my Credit File from reporting erroneous information and yet you have failed to do so. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. You claim that these accounts are verified and yet you have not sent me any copies of proof of verification from your investigation which is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No- XXXX XXXX. XXXX XXXX- {$900.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights. 

XXXX XXXX. XXXX Section XXXX A XXXX XXXX I have the right to Privacy. 

XXXX XXXX. XXXX Section XXXX A Section XXXX It also States a consumer reporting agency can not furnish a account without my written instructions. 

Kindly delete the account. 

Thanks 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 non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was contacted on XXXX by XXXX XXXX XXXX by XXXX XXXX They advised on voicemail that I was being served/sued over. They contacted XXXX family members advising the same that I was being sued/served, disclosed my name, social security number, and date of birth. The company told these people that they were listed as references which is a absolute lie. I spoke to XXXX XXXX He told me what it was finally in regards to. An old credit card debt I paid and I advised that it was paid years ago. They would not release their address or fax to send proof of payment and paid in full letter from 2018 as well as a cease and desist. Almost 5 years ago and I am still be contacted in this threatening manner. When I advised I paid, I advised what company, the amount, when it was paid etc. He said if he needed anything they would call back.never heard a thing more. Here we are today XXXX. A different company is leaving threatening messages/robo calls about suing me. I believe XXXX XXXX hard to tell on the machine. I called back and left a message. But I am absolutely over being constantly harassed over a paid bill. Its been almost 5 years and I am still regularly being harassed over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX {$1400.00} CLOSED ON XXXX, Account name : XXXX XXXX XXXXXXXX XXXX {$1600.00} CLOSED ON XXXX Account name : XXXX XXXXXXXX XXXX  {$4900.00} CLOSED ON XXXX, XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I used my Navy Federal credit card while traveling out of the country at the airport in XXXX on XX/XX/XXXX and returned on XX/XX/XXXX. Upon my return I found the following charges on my credit card. 
XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. XXXX I proceeded to call Navy Federal Credit Union to file a fraud claim about the charges on my account and I was told to destroy the card and another card was sent to me. I waited a few months and called back in XXXX since the charges were still showing on my account. I was then told by the representative that the first agent I spoke to on the phone forgot/failed to file a claim in XXXX. She proceeded to file a claim and then told me that the charges would be removed including the interest and late payment charges. 
The charges were removed only to later show up with a letter stating that they have evidence that it might have been me. I asked for the evidence and they refused to provide it to me. I then sent a PDF of my itinerary showing that I was out of the country and also provided an incident report from the police department in my city. They later denied the review stating that they were authorized over the phone but refused to provide the phone number used for the phone authorization. 
I asked for a new investigation since they failed to file a claim and follow up on the fraudulent charges for months but they told me I have to go to court and get a subpoena to get report from each merchant involved in this case. I am absolutely devastated as this charges are currently affecting my credit score thereby affecting my business and finances. 
I would appreciate your assistance in resolving this matter. 

XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
This debt collector called me stating that I owe this alleged debt. I questioned the validity of the debt and and they stated that they were sending documents over. I am requested all documents original creditor, address, amount of the alleged debt and my wet signature on the alleged contract. As pursuant to 15 usc 1692c ( c ) I am demanding that this company and whoever else is affiliated with this company needs to CEASE and DESIST on all mediums.

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 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX Account No XXXX XXXX. Late payment history XXXX XXXX XX/XX/2017 XXXX. Account XXXX XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks 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 non-monetary relief
Consumer complaint received 2022-12-01 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: I.C. System, Inc.
State: AL

Complaint narrative:
Remove any late payments change statue to current due to the cares act

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 2022-12-01 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:
A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX XXXX  account number : XXXX. I had no choice than to settle this account with XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX XXXX. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX XXXX  requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXXBalance {$750.00} ; XXXX & XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX, XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX, XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry : XXXX. XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, 2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; XXXX 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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX  Account No XXXX XXXX. Late payment history 2.Last Payment XX/XX/2017 XXXX. Account Verified XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect.

Information in the Credit Report Published as Company Info : XXXX XXXX  Account No XXXX XXXX. Late payment history 2.Last Payment XX/XX/2017 XXXX. Account Verified XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX elder. In XX/XX/2022, I was a victim of {$58000.00} XXXX XXXX XXXX Wire Transfer Fraud at : PNC Bank, XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
Bank routing number : XXXX Bank Account number : XXXX Please investigate the {$58000.00} XXXX XXXX XXXX Wire Transfer Fraud at PNC Bank. Also, please FORCE PNC Bank to send me my {$58000.00} Probate Settlement Fund in a cashier check to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX Mobile/Text XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CA

Complaint narrative:
Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected : 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