vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax on going violation ( s ) of my rights according to the Fair Credit Report Act ( FCRA ) of proper and accurate reporting of information. These violation ( s ) of the Fair Credit Reporting Act ( FCRA ), abuse of the law, and total disregard of the law to ignore the law is going on six ( 6 ) months. Equifax on going of reporting illegal information of a Bankruptcy on my Equifax Credit Report. Violates all section ( s ) of the Fair Credit Reporting Act ( FCRA ). Equifax has denied my every attempt of using the law to prove my right ( s ) according to the Fair Credit Reporting Act ( FCRA ). Equifax has re-reported the same exact account name and account number that was previously Deleted, Removed, and Block. That is a clear violation of the Fair Credit Reporting Act ( FCRA ). Equifax is acting as if they are bigger than the Fair Credit Reporting Act ( FCRA ) that governs them. Equifax has ignored and disregarded my dispute ( s ) of : 1. Accuracy and Relevance of Information FCRA Section 1681b : The reporting of the bankruptcy is not only inaccurate but also illegal. FCRA Section 1681b requires accurate and fair credit reporting.

2. Permanent Removal of Bankruptcy Reporting : Permanently remove the bankruptcy reporting from my credit report, in accordance with FCRA Sections 1681g, 1681b, 605 ( a ) ( 5 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), and FDCPA provisions related to accurate and fair credit reporting.

3. Illegal Reporting FCRA Section 1681g : The bankruptcy is being reported in violation of FCRA Section 1681g, which prohibits the reporting of bankruptcies that antedate the report.

4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported bankruptcy, as per FCRA Section 611 ( a ) ( 1 ) ( A ).

5. Fair Debt Collection Practices FDCPA : The continued reporting of this bankruptcy is misleading and may negatively impact my creditworthiness, potentially violating fair debt collection practices as outlined in the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX transunion and XXXXXXXX credit agengies but it has came back as verified on tranunion and XXXX but XXXXXXXX  deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on Transunion and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report and I notice there is outdated and unauthorized information that needs to be deleted and removed. 
I am currently an XXXX XXXX XXXX XXXX XXXX. I have attached a letter from my case manager confirmed my XXXX XXXX. I did not authorize any of these inquiries. I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry 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 2023-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX cents was paid to citibank mastercard for XXXX  XX/XX/2023 and they stole my money and never credited my card i called them and sent several emails for over XXXX  days and they have ignored all of my calls and been charging me over XXXX percent interest with late fees for this accounr

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 2023-11-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX I was XXXX  and my wallet that contained every card I owned, including my social security card and my XXXX  XXXXXXXX XXXX card. Within hours the thief was able to change the pin on my prepaid Netspend card by using my SSN. Once I was alerted thru text that a transaction was made I immediately reported it stolen and shut the card down. The company provided no provisional credit nor did they help with identity theft protection as they promised and when closing the dispute they tried to say the pin change came from a number or IP address that was somehow linked to me. Upon requesting this documentation, they even provided me the actual thiefs cell number from which the pin was changed and still didnt consider the activity fraudulent. They also never called as promised multiple times. Then at end of XXXX I realized there were more unauthorized charges done by the thief creating a virtual card. Once again they did nothing at all to resolve this this trying to hold me accountable

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 2023-11-04 00:00:00
Product: Credit reporting 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: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are continuing to report a late payment for XXXX XXXX for XX/XX/2023. XXXX agreed to remove late payment in writing to CFPB, however, even after disputing this account in addition to CFPB complaints, no on has updated my account. To correctly remove the late payment reported by 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: TN

Complaint narrative:
this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report and I notice there is outdated and unauthorized information that needs to be deleted and removed. 
I am currently an inmate in a federal facility. I have attached a letter from my case manager confirmed my incarceration dates. I did not authorize any of these inquiries. I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry 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 non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX are continuing to report a late payment for XXXX XXXX for XX/XX/2023. XXXX agreed to remove late payment in writing to CFPB, however, even after disputing this account in addition to CFPB complaints, no on has updated my account. To correctly remove the late payment reported by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX in XXXX regarding supposed debt, I requested proof of debt and did not receive it. It is now XXXX, and I'm being served with a writ of garnishment for a judgement in XXXX obtained by XXXX XXXX XXXX XXXX ; I was never served with a court order or summons to respond and have no knowledge that this case even went to court, so to be served a writ for garnishment for a judgement I had no knowledge of is a complete blindside and shady practice on the part of XXXX XXXX XXXX. I was never served or given an opportunity to respond. When the judgement was obtained, it was done so illegally, as the statute for collection on said debt had expired and they had no legal right to even collect on the debt.

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 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I had a XXXX credit card that I payed off the balance and closed in 2021. The company First source insists that I owe {$210.00} that I need to pay. XXXX  can not " find '' my account because it's closed. Yet I am still getting emails and calls from First source insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to XXXX and they now own that debt ). Attempts at clearing this up with both companies ( XXXX and First source ) have not accomplished anything. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC
State: PA

Complaint narrative:
Certegy Payment Solutions , LLC has denied me to cash a check at XXXX. I called to speak with a representative as to why. I was told I have negative information on file, and that the check is good. They gave me my check business phone number and tried to hurry me off the phone. I got the run around as to what was negative on file, and why they could not cash a check that was more than in good standing. The check was able to be cashed at a different store moments later. The check had nothing to do with why I was denied. I was denied because of myself, however, they can not tell me why. I requested a consumer file disclosure report. This report only had information for the date my check was denied at XXXX, and an approved in inquiry for XXXX. The XXXX check denial has a code ( XXXX ) that states " This transaction received a decline recommendation from XXXX because our records indicate that there is negative information on file, most typically due to a returned check. '' No other information was received, no negative reports and any information as to why they would deny me. Per my rights under FCRA, I am entitled to the information that was used against me to deny my transaction. The company states in their XXXX denial code that a returned check is on file. If this is on file, this needs disclosed. It feels like discrimination. They can not tell me why they deny me, but can deny me. This is wrong, and they are not disclosing what information in my file that is being used against me, therefore they are violating my rights under the FCRA.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : Please remove the below Consumer Statement from my credit report : CONSUMER STATES THAT THE DELETION OF INQUIRIES ON FILE WILL BE DELETED IN FOUR DAYS UPON THE RESULT IS OUT AND FINAL SUPPORTED WITH DOCUMENTS Attached to this complaint are : - written complaint + screenshot of Equifax where it shows to remove - drivers license - social security card - Proof of address Please remove that phrase immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I submitted the front of my id, a utility bill and my social security card to transunion credit reporting agency in my defensf of XXXX. I provided documentation to prove Ive received couseling from the givernmnet official agency about my situation. Transunion has not responded nor remove blocked and deleted the debts from my credit report. I provided all documentation as well as a self attestment validated by a court appointed rep. from the courts with the time stamp and dates on it. I am XXXX compliance with the final rule which establishes me as a victim of debt XXXX. Can you please block this information from my cra reprot immediately within 4 business days as stated in the fcra 605c. I have included all the items that were asked to be blocked and delete but nothing as happened and it has been well over 30 days. Ive included the certified mail to provve that this dispute was sent and received as well as ignored XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are XXXX collection accounts on my Equifax Report that should have already come off. 

XXXX XXXX ending in XXXX had a date of first delinquency of XX/XX/XXXX ( removal on XXXX ) and Equifax will remove an account 30 days prior to retention date, which would have been XX/XX/XXXX. 
They are showing that the date of first delinquency was XX/XX/XXXX. That is inaccurate. That would mean that this is due to come off XX/XX/XXXX and with Equifax 's policy mentioned above, it will be removed XX/XX/XXXX. You may think this is not a big deal because that is in 26 days, but this should have already been off of my report. 

XXXX XXXX ending in XXXX had a date of first delinquency of XX/XX/XXXX ( removal on XX/XX/XXXX ) and Equifax will remove an account 30 days prior to retention date, which would have been XX/XX/XXXX. 
They are showing that the date of first delinquency was XX/XX/XXXX. That is inaccurate. That would mean that this is due to come off XX/XX/XXXX and with Equifax 's policy mentioned above, it will be removed XX/XX/XXXX. You may think this is not a big deal because that is in XXXX days, but this should have already been off of my report. 

I have called Equifax incessantly, spoken to multiple Supervisors, filed many disputes about these XXXX accounts & reached out to XXXX XXXX ... .to no avail. These XXXX accounts have already been removed off of my other credit reports. Equifax needs to remove these accounts from my credit report. Unfortunately 7 years ago, someone ruined my credit. I did my time... waited the 7 years and this company is playing games. 

In addition, I purchased this product called Equifax Complete, so I can see up-to-date information daily on my credit report and it provides credit scores for Equifax, XXXX & XXXX. Much to my surprise, my XXXX credit score is being reported on their website as XXXX, when in actuality it is XXXX, which I took a snapshot of XXXX minutes prior on XXXX 's website. Equifax is reporting inaccurate scores. I don't know my XXXX score yet, but Equifax is reporting it as XXXX, which can not be right because it has nothing bad on it and has same accounts as my XXXX account has. This needs to be rectified ASAP. These people can not just mess with people 's credit like this. 

* I'm not sure why my husband 's name is on this account. His email is XXXX. I will call you on Monday to rectify this. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I am disputing the amount that RMP is trying to collect. I have written multiple times asking for proof of the original debt along with proof that they are authorized to collect the debt. When I speak with them the agent says that she sees my multiple requests, but yet no one is complying with the Fair Debt Collect Act. Instead of providing proof they have decided to harass me multiple times a day and week with obnoxious calls at at all times. I have also asked that calls stop until both documentation is provided per the Fair Debt Collection Act. They will not provide proof nor stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OH

Complaint narrative:
I received notification that NetSpend had created an unsolicited XXXX XXXX XXXX from XXXX, XXXX. XXXX  in my name and sent it to me through the USPS. The account creation was complete with a routing number and bank account number. They mailed the card to me indicating it was ready to activate. This was unbelievably insecure and irresponsible, particularly knowing how the mail has been compromised.

I have attached a copy of the literature they sent with the card. This copy is redacted. I also have a copy of all the literature including the card they sent in case evidence is required that includes the actual account number. I requested they cancel the account and card and that they never contact me or anyone at my address again. I also requested they remove ALL of my information from their systems except for this notice and my address.

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 2023-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was the XXXX website and I ended up getting ripped off by different scammers posing to be legitimate sellers on that platform. The first company name XXXX XXXX XXXX XXXX XXXX XXXX, they got me for {$2700.00} XX/XX/2023 and the second was XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX they got me out of {$3100.00} XX/XX/2023. I filed a dispute with the website and they gave me a 2 month run around not being able to retrieve my money back so I contacted the XXXX XXXX XXXX for help and Im currently waiting for an update from them now.

Company response to consumer: Closed with explanation