vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint on behalf of myself and there is NO THIRD PARTY before yall start that XXXX excuse to not review my complaint. The purpose of this complaint isn't to get these accounts verified or validate. 

The purpose of this complaint is to ensure these account be permanently removed from my credit report and for the credit agencies to stop lying, falsely and misleading me about who is furnishing this information that is inaccurate reporting on my consumer report. The Bankrupcty Case Number : XXXX and XXXX list Bankrupcty court as the furnisher and I contacted them and they DO NOT REPORT TO THIRD PARTIES OR ANY CREDIT REPORTING AGENCY. So I would like to know where did you get this incorrect information from because XXXX XXXX is not reportiing this incorrect information. So where is the accuracy and fairness of reporting because it sounds like someone is lying and its not the Courthouse. Not only is this false and misleading but its very inaccurate reporting and has caused me XXXX XXXX  for no XXXX reason and ruined my chances for several home buying opportunities that has caused me financial burden becuase you you choose to ignore right from wrong. You expect me to abide by the law but these credit agencies always ignore the law and do what the XXXX they choose to do well this needs to Stops TODAY. I demand these accounts be DELETED or I will seek legal action

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint on behalf of myself and there is NO THIRD PARTY before yall start that XXXX excuse to not review my complaint. The purpose of this complaint isn't to get these accounts verified or validate. 

The purpose of this complaint is to ensure these account be permanently removed from my credit report and for the credit agencies to stop lying, falsely and misleading me about who is furnishing this information that is inaccurate reporting on my consumer report. The Bankrupcty Case Number : XXXX and XXXX list Bankrupcty court as the furnisher and I contacted them and they DO NOT REPORT TO THIRD PARTIES OR ANY CREDIT REPORTING AGENCY. So I would like to know where did you get this incorrect information from because XXXX XXXX is not reportiing this incorrect information. So where is the accuracy and fairness of reporting because it sounds like someone is lying and its not the Courthouse. Not only is this false and misleading but its very inaccurate reporting and has caused me XXXX XXXX  for no XXXX reason and ruined my chances for several home buying opportunities that has caused me financial burden becuase you you choose to ignore right from wrong. You expect me to abide by the law but these credit agencies always ignore the law and do what the XXXX they choose to do well this needs to Stops TODAY. I demand these accounts be DELETED or I will seek legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MA

Complaint narrative:
The lender has made it known that no help can be rendered to me. They have charged me outrageous interests that increased the principle heavily. {$600.00} was initially borrowed, and on several occasions, I have tried to reduce the principle but to no avail. The interest rates have made it difficult and I am very much fed up at this point. I just want to pay what I owe because the interest rates have been standard practice and I Intend to warn everyone I know about this company to stay away. Here are discord points : XXXX ) Aggressively leveling XXXX withdrawals without notice. 
XXXX ) Lack of communication. Customer service is unresponsive via phone and email requests are extremely slow that when a hold XXXX request is submitted, there is no response, leading to XXXX withdrawal anyways. This causes unexpected charges in the form of bank overdrafts from my financial institution on weeks that I do not receive paychecks when time off is observed XXXX ) Unprofessionalism in this matter. This company aggressively takes on the collection of interests for this loan and does not care for the customer. At this point, it seems I am working for the company 's benefit only. 

Please assist in bridging the gap to help find a lasting solution that is fair for me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting Equifax Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from Equifax. There was definitely an error on their part. There was definitely an error on their part. Equifax is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY. 

( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
As of XX/XX/2021, there is a debt collection for the amount {$380.00} from XXXX. on my credit report that I was not notified of. The alleged debt account was handed over to CCS Collections on XX/XX/XXXX from the original creditor. I never received a letter from CCS Collections, which was supposed to happen 5 days after initial contact/date the account was handed over. Thus, I was never given the opportunity to dispute/have said alleged debt validated. This is a direct violation of the FDCPA due to each individual having the chance to validate or dispute whether a debt belongs to that person or not. In fact, debt collector must provide a letter that states information about said debt and that an individual has 30 days to mail a debt validation letter before the collector " assumes '' the debt belongs to the person. A Debt Collector can not just slap a debt on someone's credit report without the individual knowing and being able to dispute/validate said alleged debt. I was not given that chance. Fast forward to XX/XX/2021, I filed a dispute with XXXX about this invalid debt. On XX/XX/2021, XXXX notifies me of the results of the investigation. According to CCS Collections, they VERIFIED, NOT VALIDATED, the debt. Who did they verify this debt with? What information was used? This is a potential HIPPA Violation, that is, if they possess personal medical records/information that is outside of HIPPA 's guidelines, and used that along with whatever else documents in their possession to " verify, '' this invalid debt. Also, I am not aware if CCS Collections is even allowed to collect this invalid debt. Under the guidelines of the FDCPA, the collection agency in question must be the correct agency collecting on this debt. If not, they can not pursue collections, and the debt must be removed from consumers credit report. Did CCS Collections mail me a written agreement between them and the original creditor? No. So, how do I know that they are able to collect on/report this invalid debt? I do not. Again, I never received a letter from CCS Collections, surrounding this alleged debt, nor was I given the chance to send them a debt validation letter, which I have every right to, according to FDCPA. Last, CCS Collections should only contact me via letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXXL XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( 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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX****-Balance {$200.00} XXXX, XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXL Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX - card was charged for {$XXXX} from an unauthorized transaction, I notified Citibank and a hold and fraud claim was made on my account XX/XX/XXXX - Contacted XXXX and they emailed me replying that this was not me XXXX - Emailed dispute letter along with police report from XXXX XX/XX/XXXX - XXXX emailed me saying it was " XXXX who purchased XXXX iPads at {$XXXX} '' I AM NOT XXXX XX/XX/XXXX- Citibank sent a letter in the mail requesting more information and I emailed it back XX/XX/XXXX asking for what exactly was purchased and what did the original merchant say regarding the charge XXXX - Citibank sent another letter in the mail requesting the exact information again because they said they never received it. 

XXXX - I went to a citibank branch location because they were not getting any of my emails or fax 's so I gave them all my information to internally fax since it is " easier '' XX/XX/XXXX - Still no update from Citibank employee, it is still up to XXXX days Each phone call from Citibank has not been helpful. They are telling me that it can take up to XXXX days for the fraud to be resolved. I have given all the information they have asked for. I did no make this unauthorized purchase and every person and manger has not helped in any way. They have not provided me any provisional credit or resolve the dispute within the initial XXXX business days according to Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the LVNV FUNDING LLC still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LVNV FUNDING LLC XXXX Balance {$650.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: FL

Complaint narrative:
Received an invoice from XXXX XXXX XXXX in XXXX, Florida for " Emergency Services '', indicating the service date was XX/XX/2020. During this time I was covered by health insurance with XXXX XXXX XXXX of Washington. XXXX XXXX XXXX neglected to bill XXXX XXXX XXXX and has reported this invoice to XXXX, XXXX, and Experian as unpaid medical debt. This is severely affecting my credit score and has caused me to pay higher interest rates on my mortgage and car loan. I have attempted contacting them and working this out to no avail for nearly 4 months now. Please help me. 
There are two credit agencies reporting for the same date of service ( XX/XX/2020 ). One reported to XXXX is for {$1500.00} and another to XXXX XXXX for {$1100.00}, which is actually a radiology bill from the same date of service, XX/XX/2020. Neither of which have been able to provide any proof that this is actually a valid debt to begin with. They have provided no documentation with my signature or identification.

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