vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1.The following account is not mine TRANSWORLD SYSTEMS  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX XXXX, Account Number XXXXXXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXXXXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX CREDITOR INQUIRIES 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, 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 an 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 2022-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 2022-05-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: FL

Complaint narrative:
I initially called on XXXX when my card was declined making a purchase. I checked my card to find I had a XXXX balance. There was previously over {$1100.00} on the card. I spoke to representative on XXXX and initiated the dispute. She told me to fax the statement back she was sending me with disputes highlighted by the XXXX. I sent it back by the XX/XX/XXXX. I then followed up on the XXXX to make sure they received my fax. They did and said I'd receive a provisional credit by the XXXX of XXXX while they investigated the claim. I called today to find out they denied my dispute of {$690.00} with no explanation except " Conflicting information ". They said they'd send me a letter. No provisional credit, no investigation, nothing. I was blown off by the representative on today 's date of XX/XX/XXXX with no chance to appeal over the phone. I was never sent a dispute form either. I was told to just " Write the dispute amounts on the statement she was sending me. "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have contacted XXXX System/XXXX  XXXX several times to inform them this debt does not belong to me to which they state they will update their information and stop sending me letters but they repeatedly do so in an attempt to illegally collect another individuals debt and in direct violation of the fair debt collection and credit act. 

I would like to pursue further action to stop their illegitimate harassment and collection efforts by any means available to me. First step is to publish this formal complaint. I have copies of all letters sent with dates and times of phone calls made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was XXXX  discriminated against because I'm XXXX-XXXX. They made multiple excuses as to why they couldn't cash my check and each one did it make sense first they said they couldn't cash it because of the amount so I clarified that I've cashed checks with them before and they explained to me that the smaller branches like that one have a Max of XXXX if anything above XXXX for XXXX customers you have to go to a larger Branch. The next excuse was that my daughter 's name was outlined on the check, the check was issued to me as her guardian on her behalf for the settlement agreement and documentation that I provided at the date of service. When I asked for the names of the manager and banker I was given attitude and told they couldn't cash it. She also went to get security as if they were in danger of me with XXXX children. This kind of thing can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX my credit card had suspicious activity with USAA. I called USAA and reported the fraud charges. USAA never called up to take down the information and in XX/XX/XXXX I received a credit card statement showing a balance of {$6.00} being owed and they said if we didn't pay they would close the card. 
My wife called as the account is through her but it was my card. USAA said that they would fix it. This went on for months until XXXX when we got another statement saying we owed the same amount. Again my wife called and they had already closed the account that was paid in full, XXXX balance with a {$6000.00} credit limit and reported me as delinquent to the credit bureau. Again USAA said they would fix it. 
Fast forward to XX/XX/XXXX my wife spoke with USAA again as I had tried to apply for a small personal loan and was denied, the reason was USAA. 
The lady my wife spoke with helped her over a 2 hour period to ensure they would get this handled. What my wife found out was USAA never reported the original charges in XX/XX/XXXX as fraud. As it's been too long now they can't report them the usual way so they had to go through a special department within USAA to get it handled. My wife called again today, XX/XX/XXXX, and USAA pretty much said we can't help you. 
I would like them to fix the credit card and reinstate at the original {$6000.00} with the interest we had originally. Take off the delinquent charge and report as fraud like it should have been done originally. Then they need correct the credit issue so my credit is fixed! 

Everything was via phone call and all the notes are in our account under my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX .

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: MI

Complaint narrative:
13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have XXXX collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-05-17 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: MI

Complaint narrative:
13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have XXXX collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a XXXX daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona XXXXXXXX XXXX records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor : 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 an 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 2022-05-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX  XXXX  # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  XXXX  # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-05-17 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: NM

Complaint narrative:
Checked my credit score through XXXX, a Collection Item showed on my credit score, when opening the collection item, it is for some credit card from XXXX XXXX XXXX in the amount of {$1700.00}. This account was opened on XXXX XXXX by using my SS # but it wasn't me. I've talked to Experian and have disputed the charges, I've also contacted the collection agency 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 explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XX/XX/XXXX, I inquired with US Bank, who holds my mortgage, about an escrow waiver. They told me I do qualify but I would be required to pay an escrow waiver fee of .25 % of my remaining balance, which is currently {$760.00}. I asked them and also researched what this fee was for and found on the US Bank website the Applicable Mortgage Fee page that is required by the FDIC. On that page, it explains that the fee is only assessed for escrow waiver if the person received discount points on their mortgage at closing. I reviewed my mortgage closing documents and I did not receive any discount at closing. I also verified this with my mortgage broker who did my closing. I requested documentation from US Bank showing where I received discount points at my closing, which would prompt this fee but they have not been able to provide this. The continue to refer me to XXXX and section 14 of my loan disclosure which discusses loan fees, however does not prove that I was given a discount. If they are able to prove I was given a discount, then I will understand why the fee is being assessed but I believe this is not the case and they are trying to wrongly charge me a fee when I do not meet the requirements to charge the fee. They have basically told me I can either pay the fee or leave my escrow in my mortgage. I went into a branch today XX/XX/XXXX and spoke with a person who talked with the mortgage department who said the same thing that Ive been told. Still, no one is able to show me where I was given a discount which would justify the fee being assessed. I even offered to open a savings account with US Bank and move the escrow money to that account so they didnt lose the money, but they still said I had to pay the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
ive tried to dispute this derogatory mark for a " fortiva " credit card from the months of XXXX-XXXX of XXXX, the acct was both opened and closed with an outstanding balance of {$700.00} without my knowledge ; im currently a victim of idenity theft. ive disputed it in XX/XX/XXXX when it became apparent to me that this was affecting my credit. again i disputed it in XX/XX/XXXX and again XX/XX/XXXX. i contacted the company by phone on XX/XX/XXXX and the gentleman was very confused about the acct and why the acct was opened and closed so quickly. for months of XXXX XXXX XX/XX/XXXX ive recieved letters and calls trying to collect debt. some rude some pushy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
XXXX  XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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