vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX Creditor : XXXX XXXX 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 an account without my written instructions. 

Based on my knowledge, I don't owe this debt collector.

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 2023-04-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX Portfolio Recovery Associates and account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These accounts have another name on them and a different address which Ive never lived out of California. These items must be DELETED immediately and a rapid re-score is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, FOCUS FINANCIAL SERVICES, for {$610.00}, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I do not owe this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: TX

Complaint narrative:
To whom it may concern, On XX/XX/2023 I sent a letter via certified mail Transunion a national credit reporting agency. Attached to this letter was a photo copy of my identification and a utility bill. These item were to show proof that said letter was coming from me DIRECTLY. In the letter I simply requested them to provide me with their validation procedures for debt claims falsely placed on my credit report. Also asking them to delete any claims that did not follow those guidelines. Along with the following request which by law I am entitled too. 
1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute On XX/XX/XXXX I was sent a computer generated reply which didn't show any documentation from the original creditors or persons which serves as proof that I am in anyway associated with said debt. 

It is my opinion that this response is dismissive, negligent, and showing zero discernment in this companies harmful practices. This seems to be a deterent of my rights to a true investigation afforded to citizens by the Fair Credit Reporting Act. 

It has now been 35 days and I have not received my due process of the above issues. 

This company is in valuation of the Fair Credit Reporting Act and 15 U.S. CODE1681I. My request for information and investigation into the below falsely reported debts was to be completed in 30 days. This company has disregarded my rights and due process. I am now demanding that these items be removed from my credit report 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 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My address and name information were incorrect and mixed with someone else for Experian credit report. There were many addressees provided where I never lived. Also, some of the credit information provided was not mine at all. 

Report inaccurately mentioned about a criminal record searched on XXXX XX/XX/XXXX, from Georgia Bureau of Investigation for period of XX/XX/XXXX to XX/XX/XXXX, completed on XX/XX/XXXX. I am not aware of any record. Attached is the screenshot showing the

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 2023-04-22 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:
I am writing to dispute the reporting of child support on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i. 

According to the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S. Code 1681e ( b ) ). I believe that the child support reporting on my credit report is inaccurate and in violation of this provision.

Furthermore, under 15 U.S. Code 1681i, when a consumer disputes the accuracy of the information in their credit report, the credit reporting agency is required to conduct a reasonable investigation into the disputed information. I am requesting that you investigate the accuracy of the child support reporting on my credit report in accordance with this provision. 

I have attached documentation that shows that the child support reporting on my credit report is inaccurate. I request that you promptly investigate this matter and correct any errors or inaccuracies that you find. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The problem that I have with Experian is that they do not have a way to reach a real person when you call. I have tried at least 3 of their published phone numbers ( during normal business hours ), and always get the same prompts with no ability to speak to a person. I have questions and need help with their report and fraud process, but no one is available. When you call, the automated system refuses to transfer you to a person even when repeatedly asked. I don't think a company should have this much information about me when I can't even call and talk to someone. It is a one-sided relationship in their favor.

1. I tried to place an extended fraud alert on my report. Experian sent a letter that I needed to submit extra paperwork, but I sent all of that in with the request.

2. They opened a dispute on one of my old accounts that I didn't request.

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 2023-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: NC

Complaint narrative:
I have communicated with the company ( N.A.R. Inc ) via mail to indicate that the collection does not belong to me. The company they are representing I have never had any affiliation with meaning the debt does not belong to me. It has been placed on my and my wife 's credit reports and I want it removed. I have a copy of the letter that I sent with details of my situation as well as dates when I have attempted to call them without any reprise. 

A letter was sent in XX/XX/2023 to have the {$330.00} removed from my credit account but no actions have been taken. I provided documentation showing that the company they represent I have never had any interactions with. I have called them on seven ( 7 ) different occasions between XXXX XXXX XXXX XXXX XXXX. I finally spoke with a representative XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and asked them to send documents showing I had any accounts or interactions with the indicated company ( XXXX XXXX XXXX ) and I have not received any communication. Today is XX/XX/XXXX ( 35 days later ). 

I am asking again for them to remove this information from my credit account and to send me communication unbinding me from any transactions with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX XXXX, for {$610.00}, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I do not owe this debt collector.

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 2023-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
Green Tree Service was trying to ask for a large sum of money I didnt owe.I felt like it was fraud or something with all the money they wanted from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
I am writing to dispute the reporting of child support on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i.

According to the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S. Code 1681e ( b ) ). I believe that the child support reporting on my credit report is inaccurate and in violation of this provision.

Furthermore, under 15 U.S. Code 1681i, when a consumer disputes the accuracy of the information in their credit report, the credit reporting agency is required to conduct a reasonable investigation into the disputed information. I am requesting that you investigate the accuracy of the child support reporting on my credit report in accordance with this provision. 

I have attached documentation that shows that the child support reporting on my credit report is inaccurate. I request that you promptly investigate this matter and correct any errors or inaccuracies that you find. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-04-22 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:
I am writing to dispute the reporting of child support on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i.

According to the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S. Code 1681e ( b ) ). I believe that the child support reporting on my credit report is inaccurate and in violation of this provision.

Furthermore, under 15 U.S. Code 1681i, when a consumer disputes the accuracy of the information in their credit report, the credit reporting agency is required to conduct a reasonable investigation into the disputed information. I am requesting that you investigate the accuracy of the child support reporting on my credit report in accordance with this provision.

I have attached documentation that shows that the child support reporting on my credit report is inaccurate. I request that you promptly investigate this matter and correct any errors or inaccuracies that you find. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-04-22 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: FL

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 XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # 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 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Netspend Corporation
State: MO

Complaint narrative:
{$300.00} {$5000.00} {$40.00} {$100.00} I don't know the dates..

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 2023-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
I told the company I was having an hardship with my jobs and that the car dealership added more fees and they also made me pay an down payment fee on an used car and they also, didn't do any repairs on the car before I received the car and that coursed the car to broke down on me and when I tried to tell the bank, they didn't care. also, the down payment wasn't included in the paperwork the bank has, also my paperwork shows I owed at time of signing paperwork I owed only {$14000.00} and I had the car from XX/XX/XXXX to XX/XX/XXXX before they repo the car from now they are asking for more than I owe them .I brought the car from this dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, when i called them for repairs on the car they was gone no longer in business at that location anymore, the bank didn't care. the payments went up and up. I didn't pay because they didn't help me to have the car repaired for free as agreed to by dealership that jump ship on me. The car was used and never served by the dealership at all and that's why I didn't pay the bank along with my job was closed down because of cov-19, the virus that closed over half the city I live in. I also, got scammed by someone who took all my money out of my bank account too. I was left with nothing to pay with and I still tried to pay off the car note but the bank didn't care. The car was an lemon anyway!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXX 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 an account without my written instructions. 
This account reported twice on Transunion, and based on my knowledge I don't owe this debt collector.

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 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Ive made funds transfer using Citi bank.com on XX/XX/XXXX XXXX XXXX EST. I posted the transaction to be completed for XX/XX/XXXX where the funds should have been transferred to my XXXX bank account. I waited patiently until XX/XX/XXXX and funds didnt get transferred. I made another transfer for {$9000.00} to my XXXX XXXX the same day on XX/XX/XXXX however that transaction had double posted to my account causing overdraft of {$8700.00}. When I called about the issue to XXXX # for Citi bank and explained the situation they said it was user error. I explained again and spoke to next level supervisor who stated this was glitch in the system and give them 24 hours to resolve this error. Next day the error for {$9000.00} was resolve and my act was positive for {$270.00} however the {$6000.00} transfer which was to have occurred on XX/XX/XXXX business day was never resolved. Msg XXXX XXXX account still didnt have those funds and my Citi act was debited. I called on Tuesday XXXX & XXXX speaking to different agent supervisors who all stated they will escalate this issue and get the {$6000.00} transfer successful or suspend the transactions. Each time I was given lame excuse and reason why this was an error in Citis behalf. I had to take care of family matter and I couldnt due to inaction on Citi. I called today XX/XX/XXXX Saturday and spoke to three different supervisors in different departments who all were hearing about this error for the first time. Each one of them tried to cancel the transfer and got same error I did that transfer was cancelled but funds never got back to my Citi account. I was very patient each time with Citi & had to explain this bank error each time. No one of the agent I talked with gave me a case id or reference #. The last overseas agent I talked with today just gave me her user id # XXXX and asking me once again to wait for another two business days to resolve this error. Ive lost faith in Citi to resolve this issue for large transaction for {$6000.00} which I have no access to for last 7 days. Ive lost my interest and suffered by losing my valuable time and unable to handle family finance due to Citis inaction. Each agent /supervisor had promised to resolve this snd agent on XX/XX/XXXX Thursday promised to resolve this by end of business day and call or email me. This never happened!!! Im still missing {$6000.00} from my account. 
Each time their online system allows to cancel the external transfer but funds never actually get cancelled. Supervisor at citi tried this each time and I tried it many times. Ive attached some snapshot for your online which stated the transfer can be cancelled till XXXX XXXX each day but it never got cancelled nor funds back to my citi account.

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