vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: AZ

Complaint narrative:
The credit agencies stated my account was properly investigated but how is that possible if the accounts are inaccurate. This is grounds for removal and they also violated my rights under 15 USC 1681 602 a states I have the right to privacy and 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

Inaccurate accounts XXXX acct # XXXX XXXX XXXX XXXX XXXXcct # XXXX US DEPT OF EDXXXX  # XXXX ( multiple accounts ) same acct number XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX I want a {$1000.00} per violation or accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: AZ

Complaint narrative:
The credit agencies stated my account was properly investigated but how is that possible if the accounts are inaccurate. This is grounds for removal and they also violated my rights under 15 USC 1681 602 a states I have the right to privacy and 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

Inaccurate accounts XXXX  acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/XXXX  # XXXX ( multiple accounts ) same acct number XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX I want a {$1000.00} per violation or accounts removed from my credit report

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 2022-07-25 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX XXXX. When I got my last statement, I asked company to verify some charges that I did not recognize on my statement, and credit one was unable to verify. At that same time, I had received information saying that my credit was compromised so the charges were fishy to me. 

I requeted that XXXX XXXX send me information that this account officially belonged to me and that I had agreed to it. They did not respond to my request. They then unlawfully transferred this debt to XXXX XXXX XXXX at XXXX. I did not give permisson for my personal informatinon to be handed over to this other company. This company has been harassing me and calling me during off hours and at work while I am tutoring students. 

This company, LVNV Funding-XXXX is now being reported on my credit report.-reference number XXXX is really not fair, given the circumstances. I never gave permission to XXXX XXXX to release my personal information to a company that I am not doing business with. 

I've already made several payments to XXXX XXXX XXXX, who is working with LVNV Funding to process their payments. However, I don't think it's reasonable and fair for me to continue to make any additional payments continuing the circumstances involved. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. XXXX is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.

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 2022-07-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. Equality is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. Equality is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.

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 2022-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.

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 2022-07-25 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:
The company took more then 30 days to days to respond to my complaint which violates the standard set forth by federal law and the FCRA. A proper investigation did not take place. They failed to produce my written consent allowing XXXX XXXX XXXX XXXX XXXXXXXX to release my private information. I have no proof of contract with this company XXXX XXXX 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
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During the XXXX year XXXX I was living with my XXXX  and XXXX XXXX  and I started to notice my credit score having weird charges and credit cards. For example I have a XXXX credit cards opened XXXX on XXXX XXXX, for a limit of {$500.00} and another capital one card Opened up on XX/XX/XXXX and Ive never even been to a capital one bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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:
On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-07-25 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: IL

Complaint narrative:
On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-07-25 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: FourLeaf Federal Credit Union
State: OH

Complaint narrative:
Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.

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 2022-07-25 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: OH

Complaint narrative:
Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.

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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regarding my CFPB complaint number XXXX, on date XXXX TRANSUNION claimed to have completed a proper investigation. 

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

I request the name and address of the original creditor. 

I understand that written notice of the results of reinvestigation must be issued to me no later than XXXX business days after the completion of your reinvestigation as described in 15 USC 1681i ( 6 ) ( A ). 

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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
Regarding CFPB complaint number XXXX, on XX/XX/XXXX Credit Cntrl Corp claimed to have sent me written correspondence in response to my request for original creditor information. However, I did not receive any original creditor information or correspondence on XX/XX/XXXX. Also, I made my request for debt validation on XX/XX/XXXX. How could they have sent me the specific information that I asked for before I asked for it? 

CCC received my request for validation along with a cease and desist on XX/XX/XXXX. Yet CCC states their correspondence with me was on XX/XX/XXXX, meaning that they did not respond to the request they received on XX/XX/XXXX in a timely manner. 

CCC is quite literally admitting that they have failed to fulfill/acknowledge my request in a timely manner and by far exceeded the allowable 30-day time frame that the FDCPA provides in 15 USC 1692g ( b ).

CCC has violated 15 USC 1692c. I sent CCC a cease and desist demanding they stop contacting me through ANY AND ALL mediums. This includes my consumer report. CCC has been communicating with me through my consumer report consistently since I've sent my cease and desist. CCC never justified collection of a debt. I've included proof that they continue to update their account on my consumer report. 

XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 XXXX 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 non-monetary relief