vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Phoenix Recovery Group has illegally added a duplicate account from the same creditorXXXX XXXX XXXXXXXX to my XXXX credit report. A collections account in the amount of {$730.00} was added to my XXXX credit report on XX/XX/XXXX. I disputed this debt with Phoenix Recovery Group as I do not owe this debt. This same account was previously on my XXXX report as well, but I was able to have it successfully removed because I proved that I do not owe it. I disputed this debt a total of 3 times. On XX/XX/XXXX, on XXXX XXXX it shows the same account was removed AND added back the SAME DAY! On XXXX XXXX, I received a notice from XXXX XXXX that there was a new account added to my report. Phoenix Recovery Group added the SAME account from XXXX XXXX XXXX, but now in the amount of {$730.00} ; a {$1.00} difference! This new account has the same open date as the account in the amount of {$730.00} ; XX/XX/XXXX. I never received anything in writing in regards to this new account in the amount of {$730.00} prior to it being added to my XXXX report. If it's indeed a new account, a new account number was not provided, neither was an itemized list of the charges. This action is a clear violation of the Fair Debt Collection Act, as well as the Fair Credit Reporting Act. I have emailed Phoenix Recovery Group in regards to this requesting to cease collections on BOTH accounts and to have BOTH accounts removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: DC

Complaint narrative:
I received a letter from XXXX XXXX in XXXX of 2022 informing me that the late payment on my credit report will be removed from all three Credit Reporting Agencies. However, its still reporting on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I received a letter from XXXX XXXX in XXXX of 2022 informing me that the late payment on my credit report will be removed from all three Credit Reporting Agencies. However, its still reporting on all three credit reports.

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 2022-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am having issues depositing money from XXXX XXXX an online tutoring website because my pay pal has limited my account without any issue or me having any violation of the policy. PayPal only indicated that there is a potential risk involve with my account without specifically stating which risk it is. I have tried contacting PayPal in vain and that is the reason I am contacting you regarding the issue. Please raise a complain with Pay pal to remove limitation with my PayPal account so that I continue receiving payments from XXXX XXXX. My PayPal email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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. XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, ACCT # unknown, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX 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 consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, ACCT # unknown, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX 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 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 2022-06-12 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:
In accordance with the Fair Credit Reporting Act XXXX  Account, 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 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 2022-06-12 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:
n 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
year of 2020 I quit my job to go to XXXX, while I was in XXXX  I went to see a XXXX  I used to see before I did lost my benefits from my job, I had a balance of {$70.00} to pay, they didn't even give me time they sent it to collect Bureau, I tried to dispute it they never wanted to drop it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been writing Equifax Consumer Reporting Agency letters and mailing them certified and faxing them for more than one year. I have asked them to only use my correct name as it is spelled and signed, XXXX XXXX. I am a consumer, a natural person and no one is helping me file this complaint. I also asked that they only list my current correct address and I have provided proof of said address where I have been at more than 2 years. This address is XXXX XXXX XXXX, XXXX, XXXX Missouri XXXX. Equifax responded that they can not delete inaccurate information because these inaccuracies are tied to accounts. this is not a reason to go against the law. The law says they must remove inaccurate information, so they are violating me and my rights and causing me suffering, economically and otherwise. I also declare that they remove my social security number from my report as I have never given them permission to publish this personal and private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
I submitted a detail request from this Collection agency to no avail. I sent a letter via certified US mail with Tracking # XXXX which shows delivered on XX/XX/2022 at XXXX XXXX. There has been no response. In this letter I requested information to help settle this matter all together. And I have yet to get a response for this company.

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 2022-06-12 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: NC

Complaint narrative:
I contacted Equifax by USPS mail in XXXX to investigate the completeness and accuracy of several accounts reporting on my consumer report. Equifax performed the investigation, however, Equifax failed to notate that the accounts were previously disputed. My understanding of the FCRA is that once an account is disputed by a consumer, a notice of dispute must be added to the account on all future consumer reports. I disputed the accounts again and pointed out that the notice of dispute was missing for the accounts that were previously disputed. In my dispute, I requested that these accounts be removed for being in violation of the FCRA. Equifax received my dispute via USPS mail on XX/XX/XXXX. Equifax completed their investigation, and deleted one account, XXXX XXXX XXXX. The other accounts remained, and Equifax has again failed to add the notice of dispute to the accounts that were in question. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
im being attacked by a subsidiary of XXXX  trying to collect on something i had removed from my credit reportXXXX XXXX.i have not had them in a long time and had a clear balance on my account i demand to see the original contract and my signature on the contract .there is none this is a scam from another big corporation abusing their power under the f.d.c.p.a. XXXX  keeps abusing their power when will you cfpb stand up to them and demand the original contract and my signature on that contract.it says i owe XXXX but XXXX  has one on me for XXXX i think its just a change of numbers or cooking the books as they say.im being harassed by these companies ..if something is not done and these items removed from my credit report that are subsidiaries to XXXX  ..ill be left with no choice but file a commercial lien in a amount that this company or no lawyer can fight.ill file with the secretary of state. i under penalty of perjury am telling the truth under the dod act ive also been violated against by XXXX  an sequium asset solutions..i have used XXXX XXXX XXXX  for two years. i use this site for help against corrupt companies and i have had very little luck with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously reported this account 3 month ago this company reopened my investigation after completing and resolve my investigation and reinserting these accounts on my credit file.

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 2022-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Company is using repeated robocalls. I have had a total of 11 calls in total today starting from XXXX on a Sunday. This is beyond harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX and the balance of {$740.00}. 

To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: I.C. System, Inc.
State: AZ

Complaint narrative:
in accordance with the fair credit report act XXXX  account # XXXX has violated my rights company XXXX XXXX XXXX in accordance with the fair credit report act XXXX  account # XXXX has violated my rights company IC system  15 u.s.c 1681 section 602A. 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 writing 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 2022-06-12 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:
This debt collector has illegally parked an alleged debt from XXXX XXXX on my credit report without first validating the debt with me via mail. I do know that this is illegal & a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-06-12 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: PA

Complaint narrative:
I previously reported this account 3 month ago this company reopened my investigation after completing and resolve my investigation and reinserting these accounts on my credit file.

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 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A number matching Well Fargo Bank fraudulently entered my bank account and XXXX  out all of my funds. My bank did not reimburse me and said i was in on it.

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 2022-06-12 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: IN

Complaint narrative:
XXXX waited to post my payments to my XXXX account. I do not want XXXX reporting to ANY of the credit bureaus. My payments sit in the XXXX 's mailroom until XXXX has enough staff or feels ready to post my payments. That is not fair to people trying to get their payments sent via mail. XXXX does not offer any payment options other than the US postal service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I received dispute results for a XXXX  account. This account has been disputed multiple times since XX/XX/XXXX and continues to come back verified. I am requesting the methods used to verify this debt to ensure proper protocols are being followed. 

I've asked XXXX XXXX  for validation of debt however they could not provide me with any documents bearing my signature. Their response to my debt validation letter is attached. I've informed both EXPERIAN and XXXX  that this is a fraudulent account. They are using transaction history to validate the account. 

When speaking with a XX/XX/XXXXrepresentative I was informed that the account was opened online and used in cities places I'm not familiar with. I AM REQUESTING THE METHODS USED TO VERIFY THIS ACCOUNT AND A CONTRACT BEARING MY SIGNATURE TO SHOW I SIGNED FOR THE ACCOUNT. 

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # 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.

I AM NOT A CREDIT REPAIR COMPANY

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