vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-29 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: CO

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it 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 non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Not authorized to use Name, employment information or previous addresses on credit file not in use on credit accounts. Such private information can be used for instances of identity theft and I am requesting such information be removed from credit report. 

NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc.
State: IL

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. 

I told the XXXX to reinvestigate these accounts : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: MO

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number # XXXX ... has violated several of my rights by reporting this same account multiple with different original balances and multiple late fees for each reporting.

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer can not furnish an account without my written instructrions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XXXXXXXX XXXX, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX  Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX. 

I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation letter, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX, ( XXXX ) has violated my rights.

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 2023-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

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 2023-05-29 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: NJ

Complaint narrative:
Upon checking my report I noticed there is an account I do not recognize

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 2023-05-29 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: NJ

Complaint narrative:
Upon checking my report I noticed there is an account I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEM INC is reporting a collections account on my credit report for the amount of {$870.00} past due as of XXXX XXXX 

Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent. 

I have never received any notice of this collection. I have no contract or account with Transworld System Inc I requested from TRANSWORLD SYSTEM INC the following in order to validate the legality of this debt. 
1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract. 
2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: OH

Complaint narrative:
I reached out to the credit bureau on XX/XX/2023 and would like a reinvestigation I still have inaccurate information on my report! 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. 
I hope you would be able to help! I will list the accounts below! 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX AT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report shows an XXXX XXXX card with the account number XXXX as an individual card opened on XX/XX/ with the status last updated in XXXX of XXXX 

This is incorrect. I did not open a personal XXXX XXXX card that month and I certainly do not have that specific card right now. 

I have two XXXX XXXX cards that were opened in XXXX of XXXX that are correctly being reported as individual cards. This individual/personal card opened in XXXX, however, does not exist and I am very confused as to why this XXXX XXXX account marked as an " individual '' account is present.

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 2023-05-29 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: NV

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  collection bureau of XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX collection bureau of XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO REVOVER ASSOC IS reporting XXXX collections accounts on my credit report. Each account shows an account open date for XX/XX/2019. No date of delinquency. 

Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent.

I have never received any notice of this collection. I have not entered into any contract with Portfolio Recovery Assoc.

I requested from PORTFOLIO REVOVERY ASSOC the following in order to validate the legality of this debt.

1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract.

2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is to inform the CFPB that Transunion continues to violate procedure in case of disputed accuracy 15 U.S code Section 11681i. 
In a previous complaint filed in regards to XXXX XXXX XXXX, I stated that Transunion has taken more than 30 days to respond to my request to conduct a reasonable investigation. In regards to XXXX XXXX XXXX XXXX partial account number XXXX On XX/XX/XXXX I sent a certified mail with XXXX pages of the lease agreement which did not bare any of my signatures. Along with a letter asking for a reasonable investigation. Included in this correspondence, I included a copy of my state issued drivers license and a copy of my XXXXXXXX XXXX tax return, showing that I did not live in XXXXXXXX XXXX during that time. The written signatures sections on the leasing agreement sent to me by XXXX XXXX is actually blank. 
NO ACTUAL PROOF THAT I SIGNED THE LEASE ADDENDUM. XXXX XXXX then send me a threatening letter informing me that they would not do any investigation on the matter and that the item would remain on my credit file. Which is a violation of 15 U.S.C. 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
As of today, Transunion has just decided to respond to my correspondence. I submitted information regarding this matter on XX/XX/XXXX. I just received a response from the credit reporting agency dated XX/XX/XXXX stating that the item is verified. From XX/XX/XXXX to XX/XX/XXXX is 52 days which is a violation of The Fair Credit Reporting Act. This act allows 30 days to conduct a reasonable investigation. This incorrect information on my credit report has caused me to be denied for a home loan. My next option will be seeking remedies for damages. I have presented more than enough evidence that I did not sign a lease agreement with this company. And Transunion continues to ignore the evidence. I have encountered an overwhelming amount of disrespect from this company in regards to this item on my credit file. This company should be embarrassed to call themselves a consumer reporting agency.

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 2023-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 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: TX

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 XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX, my husband and I submitted a claim with the Consumer Financial Protection Bureau ( Complaint ID : XXXX ). We received notification on XX/XX/XXXX that the claim was denied because the complaint lists someone the company does not recognize as their customer or their customers authorized representative. My husband, XXXX XXXX submitted the claim on my behalf, submitted the claim, which is probably why we received this message. I am now resubmitting this claim under my own name. 

We look forward to a prompt resolution of this matter. 
XXXX XXXX XXXX, AZ Phone XXXX. 

On XX/XX/XXXX, I used my Citicard Mastercard on a trip to XXXX in XXXX, where we purchased a marble chess set and necklace from a store called XXXX XXXX XXXX for an agreed price of {$850.00} USD. At the time of purchase, the store ran my credit card through its card reader but then said the card reader wasn't working and nothing printed out. The store then ran my card through a different credit card reader, at which time the sale went through. 

When I checked my statement the next day, I discovered that I had been charged twice for the same item ( {$850.00} from XXXX XXXX XXXX XXXX XXXX ; and {$840.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These two charges were purchased in the SAME store and for just ONE bill of sale -- the marble chess set and necklace. We immediately sent an email to the store asking them to remove one of the two charges, but they never responded. I filed a Citibank Billing Dispute on XX/XX/XXXX ( Case # XXXX ). I also spoke several times with their billing dispute team filled out their application form and provided additional documentation each time it was requested. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) both by regular mail ( dated XX/XX/XXXX ; Case # XXXX ), by email, as well as numerous follow-up phone calls. 

On XX/XX/XXXX we received a vaguely worded notice from Citibank that they are denying our claim. We were given no reason other than " we have no options available to assist you in this dispute because of the age of the charge. '' As far as we know, Citibank never even contacted the store from where the purchase was made in 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