vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX, 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.

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 2022-09-08 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: NJ

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent XXXX dispute letters to Dispute a payment status that is being reported inaccurately on XXXX XXXX. Payment statuses are to be reported as the CURRENT payment status. I have not received anything ion over 60 days even stating there has been an investigation started. This account was current and paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  XXXX, XXXX XXXX XXXX bank, XXXX bank, XXXX XXXX, and XXXX have 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-09-08 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
hi my name is XXXX XXXX i was on a joint account with XXXX XXXX and after selling my home it was on my credit report so i called and spke to XXXX  asking why was it on there they told me it have to be on there until 2025 so i called my mortgage company asking why was it on my credit report they told me it shouldnt be on my credit report so after i spoke to them it still wasnt moved from my credit report so i am now reaching out to get house trying to purchase another home for me and my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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.
State: CO

Complaint narrative:
I sent XXXX dispute letters to Dispute a payment status that is being reported inaccurately on XXXX XXXX. Payment statuses are to be reported as the CURRENT payment status. I have not received anything ion over 60 days even stating there has been an investigation started. This account was current and paid in full and closed.

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 2022-09-08 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:
On numerous occasions in the past 7 months I have sent copies of police report and identity theft affidavit regarding XXXX and all attempts have been ignored.

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 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I received a collections notice for a service called XXXX XXXX which is a mobile phone service operated by XXXX. I have never been an XXXX XXXX customer but I have been a subscriber of other services. 

The debt collector is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA, XXXX and can be reached at XXXX XXXX XXXX The debt is attributed to the address XXXX XXXX XXXX XXXX, XXXX, WA, XXXX. The XXXX  account number is XXXX and the debt collector ID number is XXXX I asked Credit Collection Services for a proof of debt and they sent me a phone bill that had an obviously incorrect phone number of XXXX. I brought this to their attention and they still refuse to discharge the debt. The debt is causing me harm since it is a negative mark on my credit score. I have also contacted XXXX about this matter and after a month they say it is still under investigation. They initially told me I would receive a response in 30 days but after that deadline past they told me it was 30 business days. 

I have never signed up for XXXX XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please remove the following inquires that were NEVER AUTHORIZED by me XXXX XXXX : 1.XXXX  XXXX XX/XX/2022 2. XXXX  XXXX  XX/XX/2022 3. XXXX XX/XX/2022 4. XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XX/XX/2022 2022

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 2022-09-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This is my second attempt to NAVIENT. I have sent certified mail on XX/XX/2022 with returned receipt to NAVIENT for this alleged debt for the amount of {$11000.00}. I never received any correspondence via mail from NAVIENT. I never received verification of this alleged debt and full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
I checked my credit score today and it went down due to a Collections request for an account that can't be mine. The Collections request was from " Credit Management LP '' on behalf of " XXXX XXXX XXXX '' for the amount of {$150.00}. I haven't had a XXXX account in over two years. Additionally I was able to log in to my old account and have a {$0.00} balance. Therefore, someone is using my personal information for an account and not paying their bill. I do not have any outstanding balances with XXXX. I can NOT get a real person on their customer service line to inquire about this because of their automation system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Millco Management
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: CO

Complaint narrative:
On or around XX/XX/2022, I called the fraud department of TransUnion, XXXX and XXXX to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to 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
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX 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 2022-09-08 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: NJ

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX  XXXX  Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I attempted to use the USAA phone app to transfer {$100.00} from my savings account to my checking account. The transfer did not go through. It has always been instantaneous. I called customer service and the person I spoke with transferred the funds to an account that was charged off in 2017 that I do not have access to and I do not know if it is even my account without any authorization from me, verbal or otherwise. I was not even aware there was another account my funds could go to. I can't view it in the app or online at all. Multiple representatives told me this should not even be possible. 

I have spent hours on the phone and they keep transferring me in circles. Everyone has told me they are unable to fix the situation and all have refused to transfer me to anyone that can do something about it. 

The last I have heard is I have lost access to my funds until someone reviews a brief call days from now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CREDITACPT can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If CREDITACPT reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2022-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
hi my name is XXXX XXXX i was on a joint account with XXXX XXXX and after selling my home it was on my credit report so i called and spke to experian asking why was it on there they told me it have to be on there until 2025 so i called my mortgage company asking why was it on my credit report they told me it shouldnt be on my credit report so after i spoke to them it still wasnt moved from my credit report so i am now reaching out to get house trying to purchase another home for me and my family

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 2022-09-08 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX/ # XXXX XXXX. XXXX XXXX XXXX card # XXXX XXXX. XXXX Bank # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX 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. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy I would also like all addresses and employment removed with the exception of XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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:
I've filed multiple dispute letters with all three credit reporting agencies stating that the inquiries were incorrect and falsely reported and also against the law. I would like all of those inquiries removed. My phone was compromised as well as my personal info. I would truly like to see these inquiries removed immediately.

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 2022-09-08 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: TX

Complaint narrative:
I have repeatedly reported inaccurate, fraudulent, and unknown information that appears on my XXXX, Equifax, and XXXX credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm XXXX, Equifax, XXXX, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!

Company response to consumer: Closed with explanation