vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: SIMM Associates, Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX XXXX, XXXX XXXX XXXX. 

I previously disputed this erroneous and inaccurate information with XXXX and XXXX XXXX, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. 

XXXX XXXX, XXXX XXXX XXXX sold the charged-off account to SIMM ASSOCIATES XXXX INC. Who notified me on XX/XX/2022 by letter attached as a Collections agency. 

Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from SIMM ASSOCIATES , INC .

When SIMM ASSOCIATES, INC failed to validate the debt, they informed me that the account was transferred back to XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/2022 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 

I made the payment XX/XX/2022 I have bank statements for accuracy in my dispute. 

This is not 60 days late! 

This is starting to become very stressful when Im trying to apply for loans and I keep getting denied for their negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 Account # 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 explanation
Consumer complaint received 2022-05-04 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: R & B Corporation of Virginia
State: AR

Complaint narrative:
I asked this company over 5 times to send me a break down of this supposed bill they claimed I owed. I never got anything from them. They slap this account onto my credit report causing me to get denied for my home loan. I reached out to them several times and they kept referring me to the collection agency they sent me to which in return referred me back to the creditor. This bill came from a doctors office which violates HIPPA and I know for a fact I refuse to sign any disclosing of my personal business. they expect me to pay something that goes against the law and I don't have a debt validation either.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On Monday XX/XX/2022 I sent for family support money through MoneyGram at a XXXX location and paid cash for this transaction, moneygram had verified with myself the sender and my family member the receiver all the neccesary information to verify the legitimacy of this transaction the money was never delivered to my family member. On XX/XX/2022 I requested the cancellation of this transaction and today is tuesday XX/XX/2022 my money is still not available to be refunded from money gram and every single day I call they ask for additional 24hrs as supposedly my canceled transaction is under review, today also they have stated they do not have a time frame as to when would my money be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JAMES B. NUTTER & COMPANY
State: KS

Complaint narrative:
I have tried twice since XX/XX/XXXX to refinance my loan. The first time they indicated I need to be at my job 2 years before I can apply for refinance. In XX/XX/XXXX I had completed two years of employment. I was out of work for 4 weeks from mid XX/XX/XXXX to XX/XX/XXXX. First 2 weeks I was out due to XXXX with no short term XXXX offered with my employer. The last 2 weeks I was out due to XXXX. I totalled my car in XX/XX/XXXX, rolling the car in an ice storm. I suffered back injuries and minor cuts and bruises. I missed alot of work due to my back injury. My refinance was denied. I have completely drained my 401k, currently had a {$200.00} balance. I explained all of this to my mortgage company. Not once was I offered forbearance. I was in tears by the end of the call. As I am single and can not get help from anyone. 

I was fully vaccinated for XXXX in XXXX. I contracted XXXX a second time in XX/XX/XXXX. 

These last two months have been even more difficult as I am without a car, due to mechanical failure. I owe the IRS over $ XXXX and am trying to file bankruptcy. But I don't have the extra money for any of this. A personal tragedy, my granddaughter was stillborn two weeks ago. 

If my mortgage company would have offered a forbearance I would have been able to put some money back. I specifically asked if there were any programs available that could help me... I was not offered any of the available programs at the time. And of course at the beginning of the year my mortgage payment increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Problem XXXX : XX/XX/2020 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 
I made the payment XX/XX/2020 I have bank statements for accuracy in my dispute. 
The outcome that I am demanding is to update my account with removing the 30 day late payment. 

My payment due date is on the XXXX I was 28 days late not 30 days! 

I been dealing with this for over 3 years I just want this to accurately to report! That is all I been treated so unfairly. This is not my first complaint about this please fix this.

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 2022-05-04 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: WI

Complaint narrative:
Problem XXXX : XX/XX/2020 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 
I made the payment XX/XX/2020 I have bank statements for accuracy in my dispute. 
The outcome that I am demanding is to update my account with removing the 30 day late payment. 

My payment due date is on the XXXX I was 28 days late not 30 days! 

I been dealing with this for over 3 years I just want this to accurately to report! That is all I been treated so unfairly. This is not my first complaint about this please fix this.

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 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: MN

Complaint narrative:
I transferred {$470.00} to my crypto.com XXXX wallet via my XXXX XXXX prepaid debit card in XX/XX/2022. On XX/XX/2022 it shows the transaction cleared my account with XXXX XXXX but as of tonight XX/XX/2022 its still pending and unavailable for withdrawal. Crypto.com disclaimer says it will take up to 7 business days and it has been 9 days, today was the XXXX business day after the XXXX counting the XXXX as day XXXX. Customer service is refusing to escalate my ticket and telling me to wait and be patient, and they will not let me speak to someone else. This is beyond a reasonable amount of time and I am continuing to lose money by not being able to use it for investment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX, XXXX, XXXX, and LEXISNEXIS have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. XXXX, XXXX, and XXXX all state that they have received and verified information from LexisNexis who lied and stated it gets its information the Bankruptcy Court. The Bankruptcy Court is not a creditor and does not furnish any information to credit bureaus they buy data from LexisNexis a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for LexisNexis to furnish any date on my behalf which is required per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Over 8 years ago Out of Statute Currently live in XXXX XXXX, CA but debt originated debt originated in GA ( haven't lived there for over 8 years ) GA Statute of Limitations - 6 Years Paid in Full Returned Equipment - To physical office in person, upon moving Collection Agency is gaming the system to use a recent account open date and therefore the credit record is completely inaccurate XXXX  - Also filing complaint with XXXX  Credit Score - This haphazard, illegal & non-compliant collection tactic has dropped my score by XXXX points in one day and I will take further action if this record is not completed deleted off of all credit bureaus quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Once again, CITIBANK is avoiding the truth in how they mismanage accounts. I am DEMANDING CITIBANK provide a fully executed copy of the credit card agreement indicating the precise section within it where CITIBANK is permitted to cut a debtors credit limit to below the debtors current balance. 
In doing so, it makes it appear the debtor is in violation of the credit card agreement relative to having a balance over the card limit. 
I NEVER exceeded the limit placed on my card. CITIBANK arbitrarily reduced this limit in an effort to place the card into collection status. 
This allowed them the minimum amount of feigned effort in working with an unemployed American not eligible for collection of ANY state or federal financial assistance.

This behavior by CITIBANK represents complete consumer fraud and I will expect this document in my effort to restore the credit damage placed on my once stellar credit profile. 
My suspicion is that due to my surname and being a minority, CITIBANK chose to consider me a credit risk in spite of my past decades of responsible credit use.

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 2022-05-04 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: WI

Complaint narrative:
XX/XX/2022 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 

I made the payment XX/XX/2022 I have bank statements for accuracy in my dispute. 

This is not 60 days late! 

This is starting to become very stressful when Im trying to apply for loans and I keep getting denied for their negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
IC Systems is for a back power bill from XXXX  out of XXXX, NY. 
{$1600.00} this was removed from My Credit report back in XX/XX/XXXX this bill is from a account from XX/XX/XXXX. 
I have called XXXX and also IC Systems to make payments and was told NO payments i also sent email 's to both which i do have copy 's of. 
I have been reporting this to the credit places like XXXX XXXX and ask them to look into this for me but nothing get done and it is still on my report i even sent them showing the emails i sent to XXXX where the Dates of service is on. when i did use XXXX. with my account number still nothing. I have a copy of the the report from XXXX showing this was removed and now i come to you for help with this please.

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 2022-05-04 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:
XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, Transunion, XXXX, and XXXX because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, XXXX, and Transunion and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.

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 2022-05-04 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: CT

Complaint narrative:
please be advised this is my 3rd official complaint against XXXXToday XX/XX/2022 I received a letter from Equifax which confirmed that every complaint was Accurate and that every negative item on my consumer credit report must be deleted and removed. Every late payment must be removed and everything item shown as closed must be reported paid in full or deleted. Equifax letter states They received my request regarding my consumer report and they are unable to locate a credit file for me for one of the following reasons : 1. I have not applied for credit recently 2. I have not actively used credit in the past 10 years 3. I have not lived in the United States or have not been issued a U.S. Social Security Number. 
However when I called Equifax today XX/XX/2022 to confirm that the accounts were indeed non-existent, they said that the accounts were still reporting on my consumer profile. ( didnt they just say I didnt have an account? ) This letter I Received From Equifax is Enough Evidence that Equifax have indeed violated 15 U.S.C 1681 section 602 which state I have the right to privacy. & 1681 Section 604 A Section 2. It also states the consumer can not furnish an account without my written instruction. 15 U.S. Code 1681c-1-Identity Theft prevention, Fraud alerts which they clearly disregarded. I have provided police reports, identity theft reports and they simply ignore all my requests to delete the items. 

CFPB claims that you take action to halt illegal debt collection practices CFPB claims to enforce and take actions against predatory companies & practices That violate the Law and returned billions of dollars to harmed consumers.

CFPB claims to root out deceptive or abusive acts or practices by writing rules, supervising and enforcing the Laws and monitor financial markets.

CFPB will you enforce the Laws on my behalf and Halt illegal debt collection practices and make Equifax, XXXX and XXXX pay for the damages they have done to my consumer report and my life and for breaking the laws?

Company response to consumer: Closed with explanation