vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 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: PA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XXXX XXXX, 2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} DP OF XXXX XXXX Balance : {$28000.00} DP OF XXXX XXXX Balance : {$48000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collins Asset Group, LLC
State: IL

Complaint narrative:
COLLINS ASSET GROUP , LLC is using my personal identifiable information to furnish negative items on my consumer report to extort me and to cause me duress in the collection of and extension of credit. I am demanding that COLLINS ASSET GROUP , LLC provide to me a legally binding contract / agreement showing all 4 elements that makes it legally enforceable, and that shows the contract is in the best interest of I, XXXX XXXX, the beneficiary. 

I the Beneficiary / Consumer and natural man ( XXXX XXXX ) am submitting this complaint without any influence from any 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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 Account  # 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 a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-09-26 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  Account # 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 a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-09-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account  # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: TX

Complaint narrative:
Received a message on yesterday on XX/XX/XXXXXXXX saying that an old account from XXXX XXXX XXXX XXXX CO applied several remarks to my Equifax credit score listed on my XXXX XXXX  profile. Well boy did my credit score plummet after that remark was placed on my file. I was sad and miserable all day yesterday. I worked so hard to get my score to where it is now but to see it where it is now is just heartbreaking. It was a XXXX. Now it's at XXXX. Lost XXXX points. That hurt! 

1st remark states, paid repossession.

2nd remark states, paid using collateral. 

** Now keep in mind, I don't know what the heck is going on. I haven't had this vehicle in my possession in over 5 years so why wait until this year XXXX to try and damage me and my credit score? Makes no sense right? I think I financed the car, XXXX XXXX - 4 door - Automatic back in XXXX but I'm not accurate on that. I just would like to know what is going on that's all. I'm trying so desperately to get my score above water level and this happens. Now I can't get a chance to finance anything with no lender ( vehicle purchase wise ) because this company is trying to ruin my score. Can y'all help me? I'm so grateful a friend of mines at work told me about you all. You don't know how happy I am to see an entity created to help citizens like me. You all are greatly appreciated. Thank you. XXXX Bless you all for working so diligently and committed. XXXX Bless XXXX. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: IN

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 XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been extremely stressed about the business practice of Experian credit bureau. The incorrect reporting of this account has caused numerous denials from creditors due to this incorrect reporting. I have tried since XX/XX/2020 till now to get this account removed from my credit report and I have been ignored. I have submitted letters for removal of this XXXX XXXX credit account from my credit report for years. I was told that if I completed the payment plan this account would be removed within 30 days. This account is still showing on my credit report 2 years later. My credit report is very important to me and my family and this has caused creditors to deny me or give me higher interest rates. I am requesting for this account to be removed immediately from my credit report. I have been treated unfairly by this credit bureau and I feel I am being discriminated against because I am XXXX American. I have documentation from the agency that I paid and there policy clearly states they would request for this account to be deleted from my profile. I am asking for this to be removed and a copy of this update to be sent to me upon completion. I experienced tough financial times when this account was charged off but I have since been in a better financial position. I am a XXXX veteran who really needs this account removed so that I provide a better life for my family and I [ XXXX XXXX ]. I am not asking for a handout but I expected for all parties involved to respect the agreement. Please please please remove this immediately so that me and my family can enjoy the American dream of home ownership.

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 2022-09-26 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:
I sent my letters of in XXXX XXXX2022 my Tracking numbers are for XXXX XXXX, Trans union XXXX and XXXX Told the credit bureaus to " investigate every piece of information and I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 
They Stated my account has been verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 
list of Accounts see the attachments of accounts than need to be deleted

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 2022-09-26 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:
I sent my letters of in XXXX 15,2022 my Tracking numbers are for XXXX XXXX, XXXX XXXX XXXX and XXXX523b0cc17a308b007f3c Told the credit bureaus to " investigate every piece of information and I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

They Stated my account has been verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate.

list of Accounts see the attachments of accounts than need to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I was XXXX an I needed a car to get around in so my father cosigned for me to be able to get the car and I missed a payment after having the car for 7 month and they came and picked the car up and 4 years later they want me to pay for the car in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Things companies are fraudulent and need to be looked into because they are reporting fraudulent statues of limitations of the State of Arizona that should have been taken care of which it was years ago and now they're trying to put it back on my Credit Bureau reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I cant get into the online access of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: IN

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 XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-09-26 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: IN

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 XXXX5 USC 1681. 
I XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello! On XX/XX/2022, I made an international wire transfer from XXXX ( XXXX ) of the XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Transfer amount XXXX USD. The payment was made for the car, but was never transferred to the recipient. When contacting my bank, I managed to find out that the money reached Bank of America ( XXXX ) and was held there for almost XXXX months without explanation. XXXX XXXX Help make this payment! Why are they holding him? How many days will it still be held and when will it be credited to the beneficiary?

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 2022-09-26 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The item showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. I request that you verify this item with PHOENIX FINANCIAL SERV that they are reporting this in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/22 - my debit account was debited {$840.00} from XXXX XXXX, an account that I do not have. I filed a dispute with my bank and they provisionally credited my account back with {$840.00} while they investigated the account. On XX/XX/22, the original debit amount was reversed and taken from my account and the dispute was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd
State: FL

Complaint narrative:
TransferWise blocked the XXXX CONSULTING AND SERIVICES account after a received transfer of about XXXX XXXX without any reason or explanation. There is NO ACCESS to the account nor the balances and they did not responded back yet. The money received is for a PREPAID service we need to deliver in part to some vendors and the operation has been unable to be paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Google Compare Credit Cards Inc.

Complaint narrative:
Since XX/XX/2021 I've been trying to cancel my google XXXX account number XXXX, but google arbitrarily claims suspicious payments, and the payments were made via bank slip, which makes any irregularity in the account impossible. I urgently request a refund of the remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: TN

Complaint narrative:
I am. a natural person, l am a living human being, I have rights under 15 USC 1681.

Equifax is govern baby 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 I have the right to privacy and I did not Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX

Company response to consumer: Closed with explanation