vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern this is not a third party so stop sending me letters to my house saying third party this is me XXXX XXXX XXXX XXXX PERSON THEYRE ARE these items in my credit file are from unauthorized I CALLED XXXX XXXX TIMES THEY ARE ABUSING ME MENTALLY N VERBALLY IM AM CURENTLY GOING THORUGH a XXXX  situation with my child father and I am living in a homeless shelter with my kid because XXXX won't delete these XXXX accounts which isn't mines they keep telling me they need the proper documents I sent them numerous time actually I have tracking number also # XXXX with XXXX they keep ignoring me and promising they would delete it in 4 Buisness days BLOCK AND DELTE IT OFF MY CREDIT they keep lying to me repeatedly im losing sleep I cant eat my mental is very bad because of XXXX ruining the character of my name and household I cant even get a house to put my kids in I didn't even use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything I did.they keep saying they waiting for a response from the company its been 4 months n no response from the company im unaware of accounts any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. I XXXX XXXX I'm writing to you to ask that you get rid of this erroneous information about me as a natural person from my credit report. There is a list of the things I want removed in the ftc report. Because I never gave any of these businesses my written consent or a valid purpose, which corporations are required by law to have, I am definitely a victim of identity theft. These unfair, deceptive forms are hindering my ability to use consumer credit to buy a home for my family, therefore I'm really asking the consumer to delete the inaccurate information from my consumer report in order to fix my consumer report. I NEED HELP SOMEONE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: DE

Complaint narrative:
I am so upset about these accounts that your company has been reporting inaccuracies on my credit report. You are letting me go through all these troubles because of your inaccurate reporting! This is an error on your part and you must remove this as soon as quickly from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
After some incorrect accounts were removed from my credit report, I suddenly found another entry from THE CBE GROUP INC-FORMER indicating that I owed {$400.00}. I am puzzled because I have no recollection of any such debt. To clarify the situation, I contacted the only company I had a service with, which had disconnected my line due to poor service, and asked them to provide any statements or records of unpaid bills. However, they claimed they had no information or statements to offer. 

To my surprise, THE CBE GROUP INC-FORMER has now appeared on my credit report seemingly out of nowhere. I attempted to dispute the entry, insisting that it was an error, but they maintained that the information was accurate, disregarding my explanation of the mistake. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: GA

Complaint narrative:
Re-aging an account is a violation of the FCRA ( sec 605 ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-31 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: IN

Complaint narrative:
I am submitting this complaint for these two bureaus to remove the unauthorized inquiries that do not and never belonged to me! 

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 Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: SC

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. 

The letters are stated with items and issues. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX ( XXXX ) XXXX sent a garnishment summons to my employer for a credit card judgment debt dated XX/XX/XXXX, filed in XXXX XXXX XXXX This is a 13 year old debt. This debt exceeds the time limit of the statute of limitations law of the state of Virginia. No notification was received for this garnishment. I received my paycheck with a {$700.00} unknown garnishment. Today I received a copy of the garnishment summons from my employer, filed in XXXX XXXX. The paperwork reflected the creditor as the above Jormandy LLC with a court hearing date of XX/XX/XXXX at XXXX XXXX. A hearing date in the future, 4 months away but a paycheck that is being garnished last week of {$700.00}. I am not an attorney but this seems to violate so many laws on so many levels. The debt is expired and even so I have not had the chance to dispute this debt or have I had the hearing as shown on the garnishment summons. I will be seeking legal counsel to assist further in suing this collection agency for unlawful collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: PA

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. 

The letters are stated with items and issues. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: SC

Complaint narrative:
My mortgage is due on the XXXX of every month and after the XXXX if its not paid I get a phone call, text, voicemail, and email multiple times EVERY day until its paid. Its very annoying and I would like for it to stop.In almost 8 years that Ive had the home I went to 31 days once. Im LATE every month, but not Behind. The financial counselor that has my account is very rude! I have asked him to stop calling and sending me emails every day. I used to get 3 voicemails per day until I deleted my voicemail account. I get emails with personal info in it ( account #, and payment amount ). The behavior is unacceptable for being late! I pay late fees every month. I didnt move the house ; its just LATE!! I get threatened that they cant continue with my loan for being LATE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: KS

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I am trying to use my companion pass with XXXX XXXX earned through my Amex XXXX XXXX XXXX and book my ticket by the expiration date. On the front of the companion pass, it says must redeem by XX/XX/23. I was not able to use the pass to book my travel today for XXXX and I am doing it by the expiration date. I called XXXX and they told me that I have to book and travel before the expiration date. They told me it was in the terms and conditions ; the curtains and conditions are only available after clicking through a couple more pages. They do not make it clear anywhere except in the fine print ; on the main page, they only say that you have to redeem it by a certain date. They also told me that they cant do anything and that American Express handles those passes. I called American Express, and they told me that XXXX handles the passes. After some back-and-forth, I got stuck with American Express. They admitted to me that it is confusing that the pass says must redeem by and doesnt clarify that you have to travel by that date ; it makes sense that an ordinary consumer would think that redeeming means booking and using the pass for the purchase. XXXX also admitted to me that if Ive ever had an XXXX in the past ( which I have ) that those work in the way that you have to book the travel within one year but you dont have to do the travel within one year. So they have another product that works the other way and one that works this deceptive way. My companion pass expires today and I wanted to book travel. Now they are telling me I have to wait up to 60 days for a response. My ticket price can go up by that point and I will lose out on getting a fare today. It is unfair and deceptive that they tell you you have to redeem the pass by a certain date, but what they really mean is you have to travel by that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request debt validation made pursuant to XXXX5 USC 1692g Sec. 809 ( b ) of the FDCPA. On XX/XX/XXXX I sent a request for validation to Transunion about several accounts listed on my credit report. I received a letter from Transunion dated XXXX XXXX that all of the accounts were verified but they did not send me any proof. I sent a second requesting them to provide proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter of the dispute status for bankruptcy listed on my report. Transunion falsely stated the bankruptcy was verified with the courthouse. I sent them a letter that I received from the courthouse that proves otherwise. See attached. The letter from Transunion also states that they are not required to reinvestigate the same item ( s ) without additional information to support the dispute. Which is beyond questionable since the never properly validated any of the debts in the first place. On XX/XX/XXXX, I received another letter from Transunion stating the items had been verified again, yet they still did not provide me with the competent validation I requested. I sent a third request informing them that I was exercising my rights under FCRA 611 ( a ) ( 7 ) requesting a complete description of all methods used to investigate my previous dispute. As a result, I received XXXX letters dated XX/XX/XXXX. An investigation procedure letter and a dispute status of XXXX XXXX XXXX but I did not receive validated proof or documentation that I requested. I sent a fourth dispute letter dated XX/XX/XXXX. Yet, I received another letter stating that all of the accounts were verified. On XX/XX/XXXX I sent a final letter requesting verification. Once again Transunion stated the accounts were verified and or updated. I sent the same letters to XXXX XXXX XXXX and both agencies deleted XXXX from my credit report. Ive spent a lot of time and money sending letters to Transunion yet they never validated anything. How is it that one credit reporting agency can delete non-validated items in question, yet another doesnt when the same law applies to all of them? I have included all of the documents Ive sent to Transunion which shows that they violated my rights and ignored my requests numerous times per section FCRA 609 due to not following proper investigation procedures. In accordance with 15 U.S. Code 1692g, I hold the right to request validation of the debt, including any fees, and who the original party that is making the claim. I would like negative information deleted from my file immediately. Please see attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CollectPark, LLC
State: TX

Complaint narrative:
I received a parking ticket notice for my daughters car which I cosigned for. They don't mention my daughter 's name once. The letter is supposed to be from a debt collector. It is supposedly signed by an attorney. There address is to a XXXX XXXX in MA. XXXX XXXX XXXX XXXX MA. According to the XXXX, XXXX XXXX XXXX, Age XXXX Lives at XXXX XXXX XXXX, XXXX, MA XXXX. Not Collect Park, the name of the company that sent the letter. They have an XXXX number. XXXX, I called and got a sketchy answering machine, but it did identify as collect park. There is so much fraud going on today that I think this letter is a scam. I did not pay them anything. Their website they want me to pay at : XXXX XXXX XXXX looks fishy too. I have gotten legit collection letters before and this looks nothing like those.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
XXXX XXXX XXXX sold info to a non affiliate third party XXXX XXXX company. That is considered identity theft, I don't believe that XXXX XXXX XXXX have proper paperwork to collect in Fl. Also uploaded a letter decribing all of the consumer laws broken by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was going over my credit report when i noticed a item that was not authorized and i want it to be removed. 

Experian XXXX XXXX XXXX {$26000.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital one ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted 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 explanation