vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
SYMPLE THEY RETAINED MY MONEY FROM IRS WITH EXCUSES OF SCAMMER GOT ACCESS TO BANK ACCOUNT .BUT I HAVE COMMUNICATION OF THAT SCAMMER TRYING TO BLACKMAIL ME WITH OTHER THINGS DONT HAVE ANYTHING TO DO WITH THIS ISSUE ...SO ..THEY DIDNT HAD THE REASON .NOW AS I WARNING THEM... ARE THEY WHOM HAVE TROUBLES .ALREADY I HAD BEEN SUMMITING COMPLAINS IN OTHER FEDERALS AGENCIES RELATE TO PARTS OF THIS CASE .AND I HAVE ALL EVIDENCE. AGAINS ONLY BELIEVES FROM THEIR PART .SO ...PLEASE THIS IS SERIOUS .TAKE FULL ACTION .SHARE THIS TO ALL OTHER AGENCIES RELATED WITH THIS ..LIKE IRS OR GENERAL INSPECTOR OF THE DEPARTMENT OF TRASURE .I AM WATING FOR YOUR ACTION IN  THIS CASE ALREADY .ATT. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call me... 
but they didn't stop there. I have a recording of me telling them that it's a bad time to call me. I also have screenshots of them calling at the same time day after day making me feel uncomfortable. 
I looked up this law 15 USC 1692 which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location which means that if I told them that it is not a good time they should know that the time they called me was inconvenient They also violated me again under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: GA

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-14 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: GA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Resource Systems, Inc
State: AL

Complaint narrative:
First, I did not receive documentation that I was able to dispute. So, I was under the impression I had no rights and the only way to take care of the account was to pay. When I did learn my rights I contacted the creditor by certified letter that was delivered on the XXXX of last month. In this letter I asked that the creditor validate the debt. The company hasn't responded. I also called to speak with them about it and got the run around. This is a request for debt validation and the legal required proof and a dispute of the account. I have included a copy of the delivery date of the certified letter along with the return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: MI

Complaint narrative:
Equifax response to complaint CFPB XXXX was simply " XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ''. They then alleged non-monetary relief was provided with " DESCRIPTION OF NON-MONETARY RELIEF Equifax reviewed the complaint, relevant documents, and completed an investigation where applicable. '' However, if they'd conducted an investigation under maximum possible accuracy standard required under under 15 U.S. Code 1681e they would have reviewed the documents and realized information furnished by a data furnisher, but that is false/misleading, is patently prohbited within my federal district. If a bank informs a clien that no ACH was presented for payment, and XXXX alleges a return code of R03, indicating an inability to match the biographical info provided with the account number implies an error on the part of XXXX, and likely implies XXXX never submitted the authorization. Such an occurence is not the fault of a consumer and can cause a damage to a consumer. An account that is then charged-off as a result of such an error then causes further damage to a consumer. That is what happened in this case. And, if the onl thing Equifax can conclude from CFPB XXXX, then there should be no adverse account history to include no derogatory payment statuses, no derogatory narratives, and no derogatory indicators for the account/tradeline. The payment history nor derogatory status indicators, nor worst deliquency, was verified. Thus, any and all derogatory information should be removed for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: NY

Complaint narrative:
On XX/XX/2023, XXXX student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till my father, who is a co-signer to this loan applied for a loan and got reject. Upon reviewing my credit report I noticed a write off from XXXX student loans. 

The loan was put on a disbursed schedule during the pandemic and XXXX had never informed me when the disbursement had ended. Furthermore XXXX had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has drastically reduced my credit score and destroyed the score of my father who had worked so hard to build it. I had the means to pay for it all this time but XXXX had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed 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 explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
A DEBT THAT PREVIOSLY WAS DELETED  FROM XXXX  BECAUSE ITS NOT MINES WAS THEN SOLD TO LVNV FUNDING LLC THATS NOT MINE! XXXX LAW S ARE BEING BROKEN 15-1681 (I) (A) (c) (f) -  15-1681 (s)2 (b) - 15-1681 (B)! I SPOKE TO THIS COMPANY  ASKING FOR ORIGINAL VERIFICATION OF DEBT THEY REFUSED ! THIS IS A DIRECT VIOLATION OF THE LAW! IM PREPARED FOR LITIGATION IF THIS ISNT SOLVED! ALSO COMPANY SENDING MAIL FROM XXXX XXXX XXXX XXXX XXXX. WHEN IT ISN'T LOCATED THERE THIS IS FRAUD AND ITS WRONG!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I sent the bureau a certified letter more than 30 days ago that included proof that the discharged student loans were supposed to be removed from my credit report. I sent them what it studentaid.gov has listed on their website and the letter that was sent to me both stating that when they were discharged due to the school submitting fraud they were supposed to be removed from my credit report. This bureau has intentionally broke the law by ignoring all of my disputes and information and keeping the negative information on report. This has negatively impacted my ability to secure credit and get housing. I have stated this to the credit bureau but they continue to ignore my requests and not adequately investigate and remove the information. I have included proof with this complaint also. I have also included the return receipt I received from the dispute proving it was indeed delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent the bureau a certified letter more than 30 days ago that included proof that the discharged student loans were supposed to be removed from my credit report. I sent them what it studentaid.gov has listed on their website and the letter that was sent to me both stating that when they were discharged due to the school submitting fraud they were supposed to be removed from my credit report. This bureau has intentionally broke the law by ignoring all of my disputes and information and keeping the negative information on report. This has negatively impacted my ability to secure credit and get housing. I have stated this to the credit bureau but they continue to ignore my requests and not adequately investigate and remove the information. I have included proof with this complaint also.

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 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I used my Citizens card ending in XXXX on my XXXX app in error, as soon as I made the purchase I signed into another bank I have and made a transfer of {$15.00} to cover the amount the account was overdrawn by. 

The XXXX transfer was made on the same day my account was overdrawn. 

For some reasons Citizens bank held the funds until XX/XX/XXXX. 



I attempted to contact Citizens bank via chat it kept going in circles it appears Citizens restricted my access from using chat. I used my mom and my aunts account to do a chat and they were able to communicate with Citizens via chat. 

I called their service center today XX/XX/XXXX and spoke with XXXX, I educated XXXX on the error Citizens bank made and asked her to rebate the fee assessed in error. 

She said this was not a bank error and that in order for me to learn the reason the online team did not post my account deposit I would need to speak with a different team. I asked to speak with her XXXX and before I could get done explaining myself she dumped me into the online banking queue, I was on hold for less than XXXX minute and so my call magically disconnected. 



I also sent Citizens bank chairman group and email and no one responded. I am tired of having to reach out for external support to have Citizens bank resolve an issue, It appears they intentionally held my XXXX transfer to post it on the XXXX so a fee can be assessed. 

I am tired of them using these deceptive practices to bill consumer fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
Out XXXX son received a card in the mail from XXXX -- He did not request it. 
When he called to cancel it -- They kept asking personal questions and stated that if he canceled it -- he would lose the {$72.00} he supposedly had on the account. 
He never requested the card nor asked for it to be activated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: MO

Complaint narrative:
I have tried several times to work with XXXX ( along with TransunionXXXX ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I recieve a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. 
Even so, I have sent these letters myself now on 4 occasions ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ) .. the companies are ruining people 's lives and are not being held accountable. 

Thank you in advance for looking into these issues.

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 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2023-08-14 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: GA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
In a previous complaint I notified company that account was not mine. I provided company with identity theft report as well as a notice to cease and desist all collection attempts from me and communications to me about the fraudulent account. Company failed to request consumer reporting agencies remove fraudulent account from my reports.

Company response to consumer: Closed with explanation