vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: NJ

Complaint narrative:
My credit report lists two XXXX and a XXXX XXXX  XXXX account that contain numerous errors. Although these accounts were erased on other credit reports, Experian has purposely refused to remove them. I have contacted Experian multiple times through certified mail and online dispute to address these issues. 

To resolve this matter, I have requested the following documents and information from Experian : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigator 's report. 
I believe that with this information, I can prove that the erroneous details on my credit report are incorrect and should be removed.

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 2023-03-02 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: LA

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. 

Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX  Account XXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX XXXX  Account number:XXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX  Account number:XXXX, Account name : XXXX XXXX  Account number: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 2023-03-02 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: 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 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 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 2023-03-02 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 recently obtained a credit report from Equifax and since then I have been in severe duress. Given that there is an account on my report from XXXX XXXX XXXX - Account Number : XXXX. 

Regarding the confidentiality, accuracy, relevancy, and proper utilization of such information it is a violation of the Fair Credit Reporting Act permissible purpose provisions and my consumer privacy rights. 15 U.S. Code 1681b ( a ) states that consumer report agencies are strictly prohibited from using or obtaining consumer reports without a permissible purpose or my written consent.

Accordingly, under 15 U.S. Code 1681 ( a ) there is a need to ensure that all consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, accuracy, and a respect for the consumers right to privacy.

Furthermore, 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 according to 15 U.S. Code 1681s2.

Pursuant to 15 U.S. Code 1681i ( 5 ) information that is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COAST PROFESSIONAL, INC.
State: NY

Complaint narrative:
Coast Professionals ( phone number- XXXX ) has called my employer along with other relatives and have made everyone aware about a debt that I supposedly have ( yesterday XX/XX/2023 ). To my relatives the representative went as far as to said they had my employers number and that they would call them. I called Coast Professionals back ( today XX/XX/2023 ) and they refused to give me any information. I told them I did not consent to calls to my employer since they do not allow those types of calls and the representative said he would proceed how he wanted and hung up on me. I called again a few minutes later and got another representative and notified them again that I did not consent to those calls specially to my employer nor my friends. I asked for written notice and the representative said they can not send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: CBC Companies, Inc.
State: NY

Complaint narrative:
XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent Innovis, XXXX XXXX and XXXX XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
my funds are being held even after 180days are over for more than 2 years despite how many times i try to withdraw. please assist me to get my funds because despite contacting support they are taking me into circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: AZ

Complaint narrative:
I have submitted multiple disputes, letters, and complaints. I have requested that inquiries, names and addresses be investigated. I am aware of my responsibilities to reach out to companies, which I have multiple times, but as a reporting agency it is your responsibility to report accurate information. My identity has been, and might still be at risk. Please complete an investigation into these concerning errors, and by not doing so you are in violation of my rights, according to FTC. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

" The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Tis is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. 
Same amount same everything just a different collection agency. 
It keeps on coming up every few month through a different collector. 
Will it ever end? It was never me I never had anything to do with XXXX. 
Thank you XXXX XXXX Account nameENHANCED RECOVERY Account XXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$1600.00} Balance updatedXXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms XXXX XXXX  On record untilXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
The problem started when I tried transferring XXXX out of my account to one of my accounts because I decided I didnt want to have my money in the marcus savings account anymore. The next day I got an email saying that they have been trying to call me but I never received a call. My account was locked. That was XX/XX/XXXX. I called them and they told me that I would be sent an affidavit of identity to confirm my identity. I filled that out and had it notarized and sent it back on XX/XX/XXXX. I didnt hear from them at all. I called them today XX/XX/XXXX. I was told they received it from what I heard. I was then told that my account would be closed for reasons I can not be told and I would receive something else in the mail in another week or so. Im not sure whats coming in the mail because I cant remember exactly what they said to me. Now I have to wait longer to get my money back. They didnt communicate this information with me through email or anything. I had to call and figure this out. Im not sure why they couldnt have just unlocked the account and let me transfer the money out. All I want is my money back and this process is taking an extremely long time. Im not sure how many more things have to be sent to me to get this figured out. I confirmed my identity like they wanted me to do and I still have to wait longer to get my money. It doesnt make any sense and this has been a tremendous stress to me over the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I SEE THAT THERE ARE PUBLIC RECORD THATS SHOWING ON MY CREDIT FILE I NEVER HAD ANY PR, SO I WOULD LIKE TO SEE THAT THIS MATTER IS UPDATE AND REMOVE ASAP. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I SEE THAT THERE ARE PUBLIC RECORD THATS SHOWING ON MY CREDIT FILE I NEVER HAD ANY PR, SO I WOULD LIKE TO SEE THAT THIS MATTER IS UPDATE AND REMOVE ASAP. 

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Card ending XXXX declines for online transactions across multiple sites. Declines via manual card entry and using token via XXXX XXXX. Chase indicates they have no idea why and seem not to be able to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TX

Complaint narrative:
i submitted numerous of disputes and called the reporting agencies to resolve issues on my credit report and all i received was refusal to send me to the right departments and even calls hung up in my face

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 2023-03-02 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: TX

Complaint narrative:
i submitted numerous of disputes and called the reporting agencies to resolve issues on my credit report and all i received was refusal to send me to the right departments and even calls hung up in my face

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was charged {$430.00} USD on XX/XX/ by XXXX XXXX company for a tow I did not request. I was a member of the residence and my property was towed at my residence. 
The charge was made on my USAA XXXX XXXX credit card and they rejected my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts : XXXX Accounts : XXXX Accounts : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
I am the author of this complaint and the attachments included in this complaint as well I recently checked my credit report and I noticed numerous inaccuracies and unauthorized inquiries and information on 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 2023-03-02 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:
I am the author of this complaint and the attachments included in this complaint as well I recently checked my credit report and I noticed numerous inaccuracies and unauthorized inquiries and information on 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 explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Collection Agency TSI-TransWorld Systems Inc. is trying to collect a debt for a landlord ( XXXX XXXX, prev. XXXX XXXX ). Landlord & I were litigants for referenced debt which involves Security Deposits I paid and damages landlord alleges. I, the consumer, won the case but the Landlord had already placed the debt in collections and ( to present date ) still refuses to allow the debt removed from my credit files. TSI indicates Landlord did not respond to several attempts for information. TSI will not remove debt because they want to be paid from Landlord or consumer. I have the Case History from the Official County Clerk website, showing I won the case and this debt should have been removed from my credit files in XX/XX/2021 after the Judgment was entered. For over 4 years, I have tried to get XXXX XXXX and TSI to remove the debt but they both refused. This bad debt with collection agency has had a detrimental effect on my credit score and my ability to obtain desired housing. Each time I tried to resolve, TSI informed that creditor ( Zone ) has 30 days to respond but informed me creditor does not have to respond at all. This is unfair to me as a consumer. They should have to respond or remove the debt entry.

Company response to consumer: Closed with explanation