vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is being made without the aid of any credit repair organization or any other party. 
A consumer report received dated XX/XX/2022 as a result of a dispute for unauthorized use and revocation of any and all express consent of personal information and highly restricted personal information as defined at law of 18 U.S. Code 2725 and for which this complaint demands deletion of nonpublic personal information in compliance to the Fair Credit Reporting Act, Fair Debt Collection Practices Act and Fair Credit Billing Act for compliance to the following enumerated consumer laws. 

1. 15 USC 1681 ( a ) ( 4 ) right of privacy ; 2. 15 U.S.C. 1681b ( a ) ( 2 ) and 3. 15 U.S. Code 6801 - Protection of nonpublic personal information 4. 15 U.S. Code 6802 ( e ) ( 2 ) - Obligations with respect to disclosures of personal information Failure to comply and provide notice of deletion within 48 hours will result in escalation to regulatory agencies and possible legal action for damages violation Fair Credit Reporting Act

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The account in reference is my XXXX XXXX XXXX XXXX Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ Transunion shows XXXX XX/XX/2022, XXXX shows no date, XXXX shows XXXX XX/XX/2022 ] Issue 2 : Account numbers differ ( see attachement ) Issue 3 : Last reported balance [ XXXX shows {$1100.00}, XXXX shows {$1200.00} ] Issue 4 : Account status [ Transunion shows charged off, XXXX shows closed, XXXX shows charged off ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX, XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX  XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reporting to XXXX and Equifax ) XXXX XXXX XXXX- XX/XX/XXXX ( reporting to XXXX and Equifax XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX XXXX  - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX - XX/XX/XXXX ( reporting to XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
In XX/XX/XXXX, I found out I couldnt login in to my online banking, so I tried reach customer service, but they told me there is a hold and can not tell me why and what happened. So I go down to my home branch, and I spoke to the branch manager, he said will help me find out what happened and whats going on. The same day afternoon I received a call from the branch told me that my account will expect closure and they will not able to provide any reason, and about the money that still in my checking account, they said they dont know, and said there is no number I can call or can ask when I will get my money back. Also I have a secure credit card account I put down XXXX deposit and dont know when will be refund to me. They just tell me wait for the mail. They will mail me the check but there is no date or any information. Until now no one contact me and no mail coming to my house. All my money left over its inside I dont know how to pay my bills and my rental payment, I want my money back.

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2022, I wire transferred XXXX to my CitiBank checking account. On XXXX XXXX, my account was flagged for suspicious activity and a freeze was put on my account. I have called the past 3 days, and they continually say they can not help me Because a special investigator is currently looking at my account. I made all transactions, I confirmed and even called Citibank before to tell them I was making these transactions, yet they still froze my account, and I can not access any funds with it at all.

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 2022-11-03 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 this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. ; XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX. Account # XXXX has violated my rights ; XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX Account # has violated my rights. ; 15 USC 1681 Section 602 It states I have a right to privacy.

15USC 1681 Section 604 A Section 2 its also states a comsumer reporting agency can not furbishaccount without my written instruction.

15USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than crimes which antedate the report by more than seven years.

15USC 1681s 2 ( A ) ( 1 ) states a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable causeto 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 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Account XXXX with National Credit Adjuster, I tried many times to verify this account and what it is. I have never had an account with them or any account during this timeframe that was of this XXXX amount. I asked several times for them to send proof of the original debt and never received anything to validate the debt or account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC systems inc, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. Ref # XXXX Acct XXXX attempted to collect a debt to XXXX  XXXX XXXX. I sent IC a letter dated XXXX stating this is without merit. XXXX was satisfied debt was paid in full and there was no unpaid balance of {$30.00} Asked IC to verify that debt paid in full with XXXX. Would like to attach letter and documentation. 

In XX/XX/2022 IC persisted. I wrote a letter dated XXXX to IC that " Account Validation '' was bogus. 

Have not received any communication from IC after 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 2022-11-03 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: CA

Complaint narrative:
Good day to all at the CFPB. Thank you for your service. It has come to my attention that I am being discriminated against and treat unfairly by the deceptive business practices of Equifax. On XX/XX/2022 I faxed Equifax my handwritten letter along with a photo copy of my drivers license to verify my identity. I wrote on the letter that I am a victim of Identity theft as a result of the Equifax data breach. I explained the economic hardship this data breach has put my estate in to the Equifax representative. I am being denied basic needs like housing for my personal, family, and household benefit. The representative then told me that I needed to send them a copy of my social security card in order for Equifax to honor my letter. I then explained to the representative that I dont feel comfortable sending sensitive information to Equifax because they are responsible for my personal information being compromised. 
The representative told me that he could not do anything without my Social Security Card. I then asked the representative to see if he could find on file a contract signed by me authorizing Equifax to report my personal information and or a court order. The representative said he could not find either. This is discrimination and a violation of my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW FINANCIAL SERVICES account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The account in reference is my XXXX XXXX XXXX XXXX Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/2022, XXXX shows no date, Equifax shows XXXX XX/XX/2022 ] Issue 2 : Account numbers differ ( see attachement ) Issue 3 : Last reported balance [ XXXX shows {$1100.00}, Equifax shows {$1200.00} ] Issue 4 : Account status [ XXXX shows charged off, XXXX shows closed, Equifax shows charged off ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account in reference is my XXXX XXXX XXXX XXXX Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/2022, Experian shows no date, XXXX shows XXXX XX/XX/2022 ] Issue 2 : Account numbers differ ( see attachement ) Issue XXXX : Last reported balance [ Experian shows {$1100.00}, XXXX shows {$1200.00} ] Issue 4 : Account status [ XXXX shows charged off, Experian shows closed, XXXX shows charged off ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NH

Complaint narrative:
Hello, Im writing to you to explain this jumble of screenshots. On XXXX XXXX I ordered an XXXX XXXX from XXXX XXXX XXXX. A third-party seller through XXXX. I paid with Affirm. On XX/XX/XXXX, I got notification that the package had been delivered. It said no signature required and there was no picture or other proof of delivery. I went down immediately to get my package and it was not there. 
Since then I have filed three A-to-Z claims with XXXX and when denied every single time, I disputed it to the highest power I could and spoke with customer service multiple times. But again it was denied. XXXX said they could not help me because it was with a third-party seller and basically asked me to stop contacting them. 
I then went to FedEx to try and file a report for a missing package. They told me I could file a claim so I did, however it was denied and upon further correspondence they informed me that though the seller and them both had insurance for such a package, I was just the recipient I would have to have the person who shipped it ( XXXX XXXX XXXX ) file the claim with XXXX. 
Since I have not been able to get any sort of helpful response through the XXXX chat feature with The XXXX XXXX Ive found their phone number online and began calling them. They at first said that they would contact XXXX. They never called me back so I called again a few days later and they said XXXX had told them the package was delivered successfully. I went on to tell him that I know that this is what it says but I never received it and they must have some sort of insurance on the package that they could file to receive and then refund me. Ive called them three or four times since trying to urge them forward on the matter, but every time they tell me they will look into it, they never return my calls. 
Today when I tried to call I received a busy signal so Im not sure if theyre out of office or if theyve just decided to stop answering my phone call. When I explained this all to XXXX XXXX in XXXX, they told me I should cancel the debit card I had on file with Affrm. I did this but at this point in XXXX, with no payment from me, it has started to negatively affect my credit score. 
On XX/XX/2022 at XXXX EST. I spoke with an XXXX XXXX  XXXX representative to discuss my possibilities. She said if I payed off what was due, once it was posted I could then go and dispute the charge. As of XX/XX/2022, I have paid the {$220.00} in question in attempts to not permanently hurt my credit score. I am now looking to dispute this charge in hopes to be reimbursed. 

As of XX/XX/2022 I had payed through affirm and then disputed the charge with my bank. XXXX XXXX XXXX. This resulted in the bank taking the money back from Affirm at this time. It now says I still owe Affirm money. At this point I dont know what to do. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Sometime around XX/XX/XXXX I received a call from CBE group requesting identifying information from me. I asked the woman who was a representative working for CBE group that I was in a communal office setting at work, and I was not going to provide that information until I was in a secure area. I requested she please call me again at a time I knew I would be able to share this identifying information. Specifically, after XXXX on any week day. 

Between XX/XX/XXXX and XXXX XXXX I received over a dozen phone calls on M-F between the hours of XXXX and XXXX, and received XXXX calls after XXXX. I was unable to answer any of the calls as I was at work and not able to answer my phone. 

On XX/XX/XXXX I received a call at XXXX, which I was able to answer, but not provide any information ( as specified prior ). I asked the gentleman from CBE group to read me any notes on my account. He said there was one note to not contact me until after XXXX on weekdays. I explained that I had received over a dozen calls in the last 2 week during work hours and requested he call me again that afternoon. He said " I can have you marked as do not contact, is that okay? '' to which I explicitly told him " No '' and explained that was not what I was asking, and I would be more than willing to receive any calls after XXXX on weekdays. 

I was then never contact again and CBE group placed a major derogatory on my credit report. When I called CBE group and spoke to a representative, they informed me I had been marked as " Do not Contact ''.

Company response to consumer: Closed with explanation