vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking number #. 

According to the FRCA, the term " investigate consumer report '' means to report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything should be 100 % Accurate. Ihave the credit report showing the inaccuracies. 


Accounts XXXX  Account ID : XXXX Tracking # US DEPARTMENT OF EDU Account ID : XXXXXXXX XXXX XXXX XXXX Account ID : 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I requested a copy of all three of my credit reports and was shock to see the information on my credit report i was a victim of identity theft I notified my bank to put a freeze on all my accounts

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 2023-08-27 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: FL

Complaint narrative:
I submitted a dispute into Experian reporting unreported/unverified information on my public record on XX/XX/23 meaning that Experian 's deadline to respond was XX/XX/23 but Experian did not respond until XX/XX/23. This is a violation and as a result these items must be removed per FCRA.

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 2023-08-27 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: FL

Complaint narrative:
I submitted a dispute into Transunion reporting unreported/unverified information on my public record on XX/XX/23 meaning that Transunion 's deadline to respond was XX/XX/23 but Transunion did not respond until XX/XX/23. This is a violation and as a result these items must be removed per FCRA.

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 2023-08-27 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 sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking number #. 

According to the FRCA, the term " investigate consumer report '' means to report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything should be 100 % Accurate. Ihave the credit report showing the inaccuracies. 


Accounts XXXX Account ID : XXXX Tracking # US DEPARTMENT OF EDU Account ID : XXXXXXXX XXXX XXXX XXXX Account ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: CA

Complaint narrative:
I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking number #. 

According to the FRCA, the term " investigate consumer report '' means to report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything should be 100 % Accurate. Ihave the credit report showing the inaccuracies. 


Accounts XXXX Account ID : XXXX Tracking # US DEPARTMENT OF EDU Account ID : XXXXXXXX XXXX XXXX XXXX  Account ID : 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to express my deep dissatisfaction with the unresolved matter of the credit card collection under the name " Resurgent Receivables, '' which is currently reflecting on my XXXX and XXXX credit reports. This collection pertains to a fraudulent credit card activity that I reported numerous times and for which I have taken appropriate steps to rectify as per consumer laws and guidelines. 

My efforts to resolve this matter have so far been met with frustration, as the fraudulent charges and transactions made by my ex-partner on my credit report have unjustly impacted my credit history and financial standing. I have diligently contacted both XXXX and XXXX on multiple occasions, providing them with information to prove that I was a victim of fraud and should not be held accountable for those unauthorized charges. 

I have also taken the appropriate measures by filing an FTC report concerning the credit card collection in question. Despite my continued attempts to fix this, I find it extremely disheartening that the negative effects of these fraudulent activities persist on my credit reports, therefore severely affecting my ability to pursue other credit opportunities and financial transactions. 

Under the provisions of consumer protection laws, it is my right to have inaccurate and unjustified information removed from my credit reports in a timely manner. I insist that you take immediate action to investigate and address this issue by promptly removing the " resurgent receivables '' credit card collection entry from my credit reports in a timely manner from all credit bureaus, XXXX, XXXX and XXXX. Failure to do so not only contradicts the fundamental principals of consumer protection but also subjects you to potential legal consequences for non-compliance. 

I kindly request that you provide written confirmation of the actions taken to rectify this situation within 30 days from the date of this letter. I look forward to swift resolution of this matter and anticipate your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
I recently made a check deposit of {$5000.00} on Thursday to my Community Bank N.A. savings account. I understand checks that large take time to clear and the funds may be held. Though there is absolutely no reason for my entire savings account to be restricted when I already had cleared funds in it. I have very little money in my checkings account, and went to transfer some of the money I already had from my savings to my checkings. It will not allow me to do so as it has my ENTIRE savings account restricted, and its now saying on the app that I dont even have a savings account right now. I have things to pay off, it is absolutely unacceptable to have funds I already had locked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Hello, I tried to send payments to Aidvantage but most were rejected. The XXXX XXXX payment was accepted but the {$37000.00}, {$62000.00}, and the {$74000.00} payments were rejected. All payments were made from the same account. There is sufficient money for all withdrawals and there is no maximum withdrawal from XXXX. Aidvantage claims that the rejected payments were due to them coming from a non-active account but how could it be non-active if they were able to accept the {$7000.00} payment from the same account. Its clear that Aidvantage is illegally attempting to delay payments in order to gain interest on my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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:
Introductions : Federal Legal Standing and factual evidence Equifax in violation of my Private Rights and federal law 15 U.S.C 1681, 15 U.SC. 1861i. I am a natural Person ; I am a living begin. I have rights Under 15 U.C.S 1681 Equifax is governed by 15 U.S.C 181.

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 U.S.C 1681. Has Violated my rights. 

XXXXXXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 2023-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: TN

Complaint narrative:
This company has reported a debt to the credit bureaus that has previously been removed, I had requested documents supporting their claims but no documentation has been provided. Further more the collection agency has reported this debt without out contacting me and providing me an opportunity to dispute the claim prior to reporting as required by law. The collection agency is in violation of the fair credit act and is not operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have a personal checking and savings accounts that were opened in XXXX of 2020, and neither of them are showing up on my credit report. It only shows ones that were previously closed before making the ones I have currently. 

I also have been at my current place of employment for 1 year and 8 months, but it shows I have no employment history 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have a personal checking and savings accounts that were opened in XXXXXXXX XXXX XXXX, and neither of them are showing up on my credit report. It only shows ones that were previously closed before making the ones I have currently. 

I also have been at my current place of employment for XXXX XXXX XXXX XXXX XXXX but it shows I have no employment history as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I called and spoke to customer service three times, and also talked to their next/final level. The card advertised 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks. 

I also asked to speak to a supervisor, I was told their supervisors only do trainings and do not speak to customers ever. Their system is flawed as well as their paperwork. 

When I received and activated the card on XX/XX/XXXX the introductory rate was not on website, instead it stated 21.90 % When I looked at the back of the customer agreement it stated " 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks that post to your account by XXXX. '' There was no date given. 

According to customer service after researching ( on phone for an hour ) I had to do the transfer prior to XX/XX/XXXX. However, I did not receive the card by mail until XXXX. They also said I could not transfer till I had the card in my possession. It took over XXXX weeks for me to receive after I applied. 

Their advertising prior to receiving the card and the written USAA Credit Card promotion and agreement when I received the card is very misleading. The paperwork I received has " by XXXX '' which is not a date. But over the phone their customer service insisted the promotion is not connected to my card. 

The company will not allow me to speak to a supervisor nor honor their promotion for a balance transfer/purchases until XX/XX/2024. They stated this is their policy and despite having paperwork that clearly shows no date they claim there is nothing they can do to activate the promotion.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
The original balance on this account was {$8000.00} and this collection company has been charging me weekly interest and the current balance is now XXXX. The collection company is not allowed to charge interest unless specifically authorized in the original contract. I have reviewed my original lease and it does not state that a third party collection can charge interest on this account. This is in violation of the FCRA and every-time the balance goes up on this account due to interest my credit is negatively impacted. I have tried to dispute this with the collection agency and have had no success. This account needs to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I write to dispute data by TD Bank USA Target credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and TD bank USA failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if TD bank. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Fraud inquiry. Called and even have letter saying deleted. Still on report so disputed again and now the day will remain. Its fraud! For XXXX XXXX ss XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDICO. INC
State: OH

Complaint narrative:
Hello, I received a debt letter from Credit Collections Bureau dated XX/XX/23, for the amount of {$200.00}. 

I am disputing this debt as I have not received a bill from the medical provider prior to the debt collection letter. I called the Credit Collections Bureau and was unable to reach a representative. I have active health insurance, including at the time of any medical visits. 

I am requesting that my credit is not impacted while we work to resolve this. Im also requesting the name and address of the original creditor along with copies of any attempt to collect the outstanding debt prior to this letter. 

Thank you for your assistance

Company response to consumer: Closed with explanation