vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2023 I identified inaccurate items on my credit report and filed a dispute with XXXX and XXXX, asking them to verify the account. The items in question relate to XXXX XXXX XXXX 
Account Number. Despite providing all the required documentation and following up on XX/XX/2023, I received no response, demonstrating a lack of due diligence in investigating the matter. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the F.C.R.A., the credit bureau is obligated to conduct a reasonable reinvestigation and remove unverifiable items which have not been adhered to in this case.

transunion took 3 letters for them to verify the account as accurate but failed to advise the description of the procedure used to determine the accuracy and completeness of the information under the 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) or proof of this alleged item, specifically the contract, note or other instrument bearing my signature, demonstrating a lack of due diligence in investigating the matter, The items in question relate to XXXX XXXX XXXX. also I would like to point that transunion validated a debt and the debt collector has not validated the debt with me The incorrect items and the subsequent refusal to validate or remove them from my credit report have precipitated a cascade of detrimental financial and emotional consequences for me. My credit score has been unjustly reduced, resulting in loan rejections and subjection to exorbitantly high-interest rates for essential credit facilities, such as my mortgage and car loan. Furthermore, the inaccurate credit report has necessitated higher security deposits for utilities, exacerbating my financial strain.

The emotional toll has been equally devastating, inducing consistent stress and XXXX as I navigate through the quagmire of resolving these inaccuracies. The mental strain from dealing with persistent calls from debt collectors, coupled with the fear of additional erroneous entries tarnishing my credit report, has been overwhelming. This has not only usurped countless hours that I could have devoted to my work and family but has also sown discord in my personal relationships due to the perpetual worry and financial instability.

The culmination of these issues has also necessitated the incurrence of additional costs, such as legal consultation fees and costs for sending certified mail to various entities in an attempt to rectify my credit report. These financial and emotional burdens are direct results of the inaccuracies in my credit report and the subsequent lack of adequate action to rectify them.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2023 I identified inaccurate items on my credit report and filed a dispute with XXXX and experina, asking them to verify the account. The items in question relate to XXXX XXXX XXXX 
Account Number. Despite providing all the required documentation and following up on XX/XX/2023, I received no response, demonstrating a lack of due diligence in investigating the matter. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the F.C.R.A., the credit bureau is obligated to conduct a reasonable reinvestigation and remove unverifiable items which have not been adhered to in this case. 


XXXX took XXXX letters for them to verify the account as accurate but failed to advise the description of the procedure used to determine the accuracy and completeness of the information under the 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) or proof of this alleged item, specifically the contract, note or other instrument bearing my signature, demonstrating a lack of due diligence in investigating the matter, The items in question relate to NATIONAL CREDIT SYSTEM. also I would like to point that XXXX validated a debt and the debt collector has not validated the debt with me The incorrect items and the subsequent refusal to validate or remove them from my credit report have precipitated a cascade of detrimental financial and emotional consequences for me. My credit score has been unjustly reduced, resulting in loan rejections and subjection to exorbitantly high-interest rates for essential credit facilities, such as my mortgage and car loan. Furthermore, the inaccurate credit report has necessitated higher security deposits for utilities, exacerbating my financial strain.

The emotional toll has been equally devastating, inducing consistent stress and XXXX as I navigate through the quagmire of resolving these inaccuracies. The mental strain from dealing with persistent calls from debt collectors, coupled with the fear of additional erroneous entries tarnishing my credit report, has been overwhelming. This has not only usurped countless hours that I could have devoted to my work and family but has also sown discord in my personal relationships due to the perpetual worry and financial instability.

The culmination of these issues has also necessitated the incurrence of additional costs, such as legal consultation fees and costs for sending certified mail to various entities in an attempt to rectify my credit report. These financial and emotional burdens are direct results of the inaccuracies in my credit report and the subsequent lack of adequate action to rectify them.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently been a victim of identity theft. This unfortunate event has led to unauthorized and fraudulent activities on my credit report. I am deeply concerned about the security and accuracy of my personal information under your stewardship.

In addition, I believe there may have been violations of the following United States Code ( USC ) sections : 1. **42 USC 408** : This statute makes it a felony to misuse Social Security numbers . If my Social Security number was used improperly or without proper authorization, it could potentially indicate a violation of this statute. 

2. **15 USC 1602** : Part of the Truth in Lending Act, this statute provides definitions for various terms related to consumer credit. If there was any misrepresentation of credit terms or failure to provide necessary disclosures, it could suggest a violation of this statute.

3. **USC 3-104** : This code defines what constitutes a negotiable instrument. It's unclear how this would apply unless there's an issue with a specific financial instrument involved in the identity theft.

I kindly request that you investigate these matters promptly and take necessary actions to correct any inaccuracies in my credit report due to the identity theft. I also urge you to enhance your security measures to prevent such incidents in the future. 

Thank you for your immediate attention to this serious matter. 

Best regards, [ Your Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Today ( XX/XX/2023 ), I received a letter ( copy attached ) dated XX/XX/2023 from LL Bean Mastercard ( issued by Citibank, N.A ) about my former account ending in XXXX. 

I closed the account shortly after becoming a victim of XXXX loss/theft and identity theft over a year ago, as I have advised Citi many times. I made a police report of the phone theft shortly after it occurred ( but was not aware of the identity theft ). 

I can not attach a copy of the report. My request for it was denied because the suspect was a juvenile ( see attached copy of the denial ). 

In response to the instructions in Citis latest letter, I called Customer Service ( XXXX ) and spoke with XXXX. She advised that a charge for XXXX antivirus, which I did not order, had been removed from my account recently, per my repeated requests for a mere year. 

Next XXXX informed me that I have a balance due of {$150.00}. When I asked why, she stated it was for finance and service charges, which had accrued on the recently removed XXXX antivirus charge. XXXX acknowledged that it should have been removed along with the bogus antivirus charge and put me on hold while she consulted her supervisor. 

I waited on hold for 15 minutes ( the entire call was half an hour ). The. XXXX advised me to call the security team on Mon. XX/XX/2023 as they do not work on weekends. 

Having been tormented grotesquely for attempting to communicate with Citi for over a year, I am not calling the security team, in which I have no confidence, Monday or ever. I have no complaint about XXXX, who was perfectly nice. 

My complaint is with the dysfunctional, dystopian, autocratic, techno-bureaucratic corporate-XXXX harassment to which Citi subjects me month after month after month. I am not paying {$150.00} or any amount of finance/service charge on a disputed underlying debt, which does not really exist, as Citis removal of it confirms. 

Please require Citi to stop trying to collect these illegitimate charges from me. Thank you.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
as my lawful and rightful consumer declaration of recently and currently discovered items with probable fraud that are not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting status ' as reported when reported. 
Furthermore, this XXXX XXXX serves as my consumer 's rightful demand for a sufficient investigation/reinvestigation into every part of any delinquency and or disparaging data charged of me to ensure the sufficiency of lawful reporting!

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 2023-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. Title 18 USC 1341 ] - Mail Fraud, and [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( 12/31/1974 ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ).

and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ].

Anti-Bribery Statement XXXX XXXX Secretary of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( 1985 ). ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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. 

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 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 2023-10-15 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am writing in response to your notice about an alleged debt : Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation. 
DELETE ALL THESE INQUIRES XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by NATIONAL CREDIT SYSTEM, who failed to provide verification of a disputed debt and continued collection efforts without supplying the required verification. as Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I dispatched a certified mail dispute letter to NATIONAL CREDIT SYSTEM on XX/XX/2023, within the XXXX-day validation window, demanding verification of the alleged debt. This action was taken to formally contest the legitimacy of the debt and to seek definitive proof to substantiate their claims. A copy of the dispute letter and the certified mail receipt, affirming its delivery, are consolidated in Attachment. Contrary to the mandates of FDCPA 809 ( b ), which necessitates the cessation of collection activities until the debt is verified, NATIONAL CREDIT SYSTEM has not provided the requisite verification as of XX/XX/2023 and has perpetuated their collection endeavors, inclusive of validating the debt with XXXX without validating the debt with me on XXXX witch is a clear violation of 15 U.S.C. 1692g ( b ) Validation of Debts which states : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

This non-compliance has engendered my process of getting funds for my business or any type of help credit wise and precipitated significant emotional distress, a byproduct of the unwarranted and legally nonconforming collection attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We got this vehicle back on XXXX XXXX it has been 4 years and 11 months and this account is still showing on my credit report as an open account. We voluntarily gave this vehicle because due to Covid we lost our jobs and was not able to continue payments on this vehicle. I have reached out to XXXX and they have not removed that loan from open status when they have sold this vehicle a long time ago. I will need them to remove this from my credit report as it is showing that this loan still exist.

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 2023-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
CIG Financial, a debt collection agency, regarding their unlawful and harassing practices, which are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to address these issues directly with CIG Financial, the violations persist. 

Here are the details of the violations and harassment : Cease and Desist Violation : I sent a cease and desist letter to CIG Financial requesting that they stop all communication. This request has been blatantly ignored, and I continue to receive harassing communications from their agency. This constitutes a direct violation of the FDCPA, which allows consumers to request that debt collectors cease communication.

Threats of Property Seizure : CIG Financial has made threatening statements regarding the potential seizure of my property. Such threats are not only a breach of the FDCPA but also a violation of the FCRA, which prohibits negative credit reporting without valid grounds or while a debt is under dispute. 

I kindly request that the Consumer Financial Protection Bureau investigates these violations by CIG Financial and takes appropriate action to ensure that my rights are protected and that CIG Financial adheres to the regulations outlined in the FDCPA and FCRA. 

Please find attached any relevant documentation to support my complaint, including copies of my cease and desist letter and any correspondence from CIG Financial. 

I appreciate your prompt attention to this matter and your assistance in resolving these issues. I eagerly await your response regarding the progress of this investigation and any steps taken to address these violations. 

Thank you for your commitment to protecting the rights of consumers. 

Under the Fair Debt Collection Practices Act ( FDCPA ) : I Requested Validation of Debt : I have the right to request written validation of the debt. They must provide information about the debt, including the name of the original creditor and the amount owed and because of this they are continuing to harass 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 2023-10-15 00:00:00
Product: Credit reporting 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:
INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 ) ( a ) 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. 

Delete the accounts below : 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

Company response to consumer: Closed with explanation