vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I routinely make a small dollar money transfers to my husband ( about every two months ) to his XXXX XXXX XXXXXXXX account from my XXXXXXXX XXXX XXXX XXXX XXXX XXXX account using XXXX The money usually posts within a few minutes. However, my recent transfer stated delayed and a message that it may take up to three business days to post. I called Xoom about the delay and they stated they would send an email to me and to respond to it by sending a screen shot of my account showing the last four digits of my account, the XOOM amount debited from the account and a positive balance and that they would then manually credit the transfer. I was able to send them a screen shot showing all that was asked for. I later received a second email stating to send the info again. I re-sent the info again and even highlighted on the screen shot each item they specifically asked for in their email. I then received a third email stating, they actually needed the bank statement. It appears they are purposely giving me the runaround and delaying the credit but continuously asking for items, and when provided they ask for more items which makes no sense. The first and second request from XOOM clearly stated what they needed and did it state a bank statement. Also, they know very well that a customer bank statement will not have a recent transaction on it, unless the statement cycle has ended and the transaction is captured for the statement cycle. Its clear that they are purposely giving customers the runaround when there is a delay in crediting their funds. It is especially upsetting when I have provided exactly what they asked for and they keep sending emails pretending to not have received what I sent, and asking for it again and later asking for something totally different in a third correspondence knowing that it can not be provided just by the nature of how the banking process works with statement cycles. I am fed up. I dont like the tone in the third email as its clear they are playing games with the customer. My transaction is low risk as I have transferred to and from these accounts for years with Xoom and so what they are doing is ridiculous especially since I complied with their requests. If they request info, and the customer provides it and later they request more info not originally asked for but clearly only to continue delay the transfer, thats a problem and needs to be addressed. Especially since it appears to be a delay tactic. Initially my {$200.00} transfer was to credit on XX/XX/XXXX that has changed to XX/XX/XXXX. The original transfer was made on XX/XX/XXXX and normally it credits that same day or one business day later. I have provided exactly what they needed to get the funds transferred and avoid the delay. However, on in its face, it appears they are unreasonably delaying and giving customers the around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: PA

Complaint narrative:
As of XX/XX/2022 I have attempted to get Bay Area Credit to provide me with proof that i am in fact that the correct consumer who they claim owe {$530.00} per receipt forwarded to me by them but that does not constitute as a contract or any verification according to the Fair Debt Collections Practices Act ( FDCPA ). They continue to report this false information on my credit profile, to which has caused me continuing credit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
A girl online approached me and asked me to invest in XXXX XXXX so i did. 
I used XXXX and crypto.com and the funds transferred to a scam platform called XXXX. 
After a while i was able to withdraw some funds but i lost most of my money. I was not using a stop loss. 
Then she manipulated me into investing some more and i did but then i wanted to withdraw my funds but they accused me of money laundering. Scared me into thinking i had to pay a penalty of 9 %, XXXX XXXX dollars. 
The money was transferred from my wallet XXXX to XXXX utilizing crypto.com services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2022-05-24 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 American Express I did not inquire about anyone looking into my credit nor apply for any credit card recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 Citi Cards Cbna XX/XX/2022 XXXX XXXX I did not inquire about anyone looking into my credit nor apply for any credit card recently.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Write up n 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
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
CFPB Write up n 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 2022-05-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX, These Companies 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 2022-05-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 XXXXXXXX XXXX XXXXXXXX, These Companies 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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
On XX/XX/2022 around XXXX XXXX, I purchased a XXXX for {$300.00} at XXXX with a personal check. The check was declined by Certegy ( XXXX ) a third party that XXXX uses to ok checks. The phone system tells you your information is only on file for 21 days. I spent three days trying to navigate the telephone menu before I was able to speak to someone. I was told I would receive my information in 16 business days. That will be too late to file a complaint with Certegy. Certegy needs to be shut down.

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 2022-05-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: FL

Complaint narrative:
They constantly call my house and cell phone, they have also contacted extended family members to shame me and share information about my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: WI

Complaint narrative:
To ATG llc, The manger I talked to At AtG llc, does not know the law when it come to consumer Rights. What this lady is doing is intentional by putting the debt that is not mines on other credit reports like XXXX ect. On my XXXX account I challenge what was on my report from ATG llc. I said I was the original creditor, XXXX stated, Account information disputed by consumer meets FCRA requirements. So what ATG did was put that debt on my other credit reports. If ATG looks up 15 u.s.c 1602 and go to ( I ) term. I have a social security Card, at it States, means any car used for the purpose of obtaining money, property, labor, or services on credit. So when I opened my bank account I had to use my SSN to get a bank account, the money I used was mines because. That's why I say I'm the original creditor, because every debt or obligations or extension of credit is originated from my social security, so basically what the Bank XXXX  is doing is using my credit a saying I owe them when I don't basically that is identity theft. 15 u.s.c 1681a ( 2 ) exclusions and ( I ) States that transaction and experience are not allowed on consumer reports. Because transaction is my payment history, transaction with the line of credit person/corporation extended to me. My experience is the amount of credit I'm using on that line between me the consumer and the person making the report so if the term consumer report does not include transaction or experience then where does late payments and utilizations come from? When I'm trying to explain this to the manager she basically goes of her own understanding and not the law, which she is deemed to know. The law is public anyone can look it up. No why would this manger keep going putting this debt on other sites when my complaint meet FCRA requirement. If I meet the requirements why would they keep reporting it to other credit reporting agencie?. They are in violation of the law and should receive a hefty fine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I sent a dispute letter to American Credit Acceptance on XX/XX/2022 and they received and signed for it on XX/XX/2022. I just recently received a letter from them in regards to my dispute. The letter stated that they could not locate anything under my name, which was provided in the first letter and requesting that I provide them with the information to basically do their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
I have sent a letter to the court to see how is the method of verification of the bankruptcy and how are they reporting monthly to my credit the response was they do not report to the credit agencies I have ask for the credit bureaus to verify my information accurately and they are taking advantage of me The Credit bureaus stated my account was properly investigation but how is that possible if its IMPOSIBLE TO VERIFY. This ground for removal they also violated my rights under 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 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 2022-05-24 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: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also States a costumer 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 2022-05-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2022-05-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2022-05-24 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:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attache and FTC report with inquiries I did not authorize

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 2022-05-24 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:
I have attached an FTC report with inquires I did not authorize

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 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I was approached online the scammer manipulated me into putting my money in XXXX through crypto.com utilizing their services. 
I lost the equivalent of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 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 2022-05-24 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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/202XXXX 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