vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: FL

Complaint narrative:
This letter is a follow up to my original letters dated below. Regarding inaccuracies in the below mentioned credit bureau 's file on me, as it relates to credit inquiries & fraudulent accounts ... Experian, XXXX and XXXX XXXX ... Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XXXX 
I sent a copy of all outstanding and outdated information along with unauthorized inquiries requesting the removal of the items.. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Therefore, I am requesting an investigation under 611 FCRA. Please also comply with Section 609 of the FCRA. Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon requests, and subject to 610 ( a ) clearly and accurately disclose to the consumer. Identification of each person ( including each end-user identified under section 607 ( e ) that procured consumer report. I'm requesting you reinvestigate and delete the following " unknown '' accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the CFPB and the Attorney General 's office. Should you continue in your non-compliance.

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 2023-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/, Transunion was contacted regarding a dispute. I advised they were in violation of 15 USC 1681 ( b ) and Section 609 ( a ) ( 1 ) ( A ) of the FCRA. On XX/XX/, I asked XXXX to re-investigate and to provide all documents with my written consent to report any information 15 USC 1681b ( 2 ) and their method of verification15 USC 1681. They did not provide their method of investigation and they did not accurately verify the information that is listed on the report. I provided a driver 's license to show the true name. I also advised them of 15 USC 1681 ( 4 ) to exercise their grave responsibility with fairness and impartiality. They did not do so. I also advised on the Gramm Leach -Bliley Act regarding my privacy. They list these creditors as public information. The only public information is if there is bankruptcy and criminal charges. They are in violation of 18 USC 894. They have a negligence and a willful non-compliance. I also advised them on my copyrights to all variations of my name with the recording number in my state along with my fee schedule for violating and injuring me. The send me back a letter stated they are unable to process because they do not know the nature of my request. The letter/affidavit specifically stated to re-investigate.

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 2023-05-20 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( CREDIT ACCOUNT REPORTED INACCURATELY AND ERRONEOUSLY MUST BE REMOVED IMMEDIATELY ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Dear Apple Card/GS Bank USA , I am writing to request the removal of a late payment from my account. My account number is XXXX and my name is XXXX XXXX. I want to start by saying that the Apple Card is my favorite credit card of them all, and I am looking forward to building a long-term relationship with your company. 

Unfortunately, I was laid off from my job which caused me to experience financial hardship. As a result, I was unable to make the payment on time. I am now in a better financial position and have a stable job that allows me to make payments on time. However, this late payment is affecting my credit score and preventing me from qualifying for a house for my family. The late payment is also preventing me from getting a home with a good interest rate. 

I am hoping to be the first person from my family to own a home, and this late payment is hindering me from achieving that goal. I understand that it was my responsibility to make the payment on time, but I hope that you can understand the circumstances that led to my inability to do so. 

I kindly request that you consider removing the late payment from my account. Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
unknown collection, delete this unverified and inaccurate account. This is an unknown collection account. Please delete this inaccurate account from my credit profile. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received a cashier checks from XXXX XXXX and tried depositing I went to my local Bank of America XXXX XXXX XXXX XXXX XXXX nv XXXX and talked to an employee lats name XXXX. He told me that check would clear next business day Saturday XX/XX/XXXX Later that day I received an email saying they are putting a hold on it till XX/XX/XXXX Ive never had banking issues in my life This is harming me because I was using it to payoff debt now Im paying excessive interest

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 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
When I canceled my XXXX Account for XXXX XXXX XXXX under my name XXXX XXXX, they asked for me to return the equipment. I had a delay in returning the equipment due to moving. I was given reminders via email to return the equipment. The amount that they are trying to claim I owe ( around {$100.00} ) is for a cable equipment box that I returned. I have the receipt from XXXX with the confirmation that they received it, along with the serial + model number listed in the confirmation email. The email is addressed directly to myself from XXXX/ XXXX and I have tried to dispute this with the debt collector by providing a screenshot proof of what I have explained above and I have received no response from them. The debt collection still remains on my credit reports and I want this removed. This is not the first time that I have had this collection placed, it was placed once before many months ago and I called XXXX directly and they confirmed receipt of the equipment and said they would notify the collector to remove the collection. This obviously never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I worked with Synchrony Bank to pay off my balance almost a month ago and would like to have this removed from my credit history. I would like to get married to my partner and also, buy a house in the future, and this is impacting my future.

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 2023-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd

Complaint narrative:
I recently got my account suspended for no good reason on this company I did a transact of XXXX ( {$5000.00} ) with a friend in the USA in exchange of wire in USD which was successful but a weeks a later I got my account suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: CA

Complaint narrative:
On XX/XX/ I had sent over a letter disputing three accounts that Transunion is reporting as alleged debt. 
Tracking number XXXX It is now XX/XX/ and no disputes have been open since point of contact and no further investigation has been made.

There are several USC codes that are being violated and are subject to fines. I will now have no option but to pursue legal remedies and report to the FTC, CFPB, and XXXX.

15 USC 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable investigation when they receive a dispute from a consumer regarding the accuracy or completeness of information in their credit report.

15 USC 1681i ( b ) : It states that credit reporting agencies must notify the furnisher of the disputed information about the consumer 's dispute within five business days of receiving it.

15 USC 1681i ( c ) : This section requires credit reporting agencies to provide consumers with written notice of the results of the investigation within 30 days of receiving the dispute, including any changes made to the information on the credit report as a result of the investigation.

15 USC 1681i ( d ) : It stipulates that if the consumer 's dispute is deemed frivolous or irrelevant, the credit reporting agency has the right to decline an investigation, but they must notify the consumer within five business days of making that determination.

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 2023-05-20 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: Monterey Financial Services LLC
State: GA

Complaint narrative:
The Truth in Lending Act purpose is to inform consumer about the cost of credit and protects consumers against abuse and deceit by creditors and I have been abused and deceived. I have sent correspondence notifying Monterey Financial Services of their violations and nothing has been done. I also have attached an Affidavit of Truth that I sent to Monterey Financial Services about the violations with a confirmation # XXXX 

MONTEREY COLLECTION SV Acct # XXXX Monterey Financial Services has been in several violations USC code causing harm to me personally, mentally, and financially do to these violations. 

I have proof in attachment label as exhibit A, B, C, D that Monterey Financial Services is in violation of 15 USC 1692 ( B ) ( 2 ). any debt collector communicating with any person other than the consumer for the purpose of the acquiring location information about the consumer shall not state that such consumer owes any debt.

I have proof in attachment labeled as exhibit A, B, C that Monterey Financial Services is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

I have proof in attachment label as exhibit A, B, D, E that Monterey Financial Services is in violation of 15USC 1692 ( B ) ( 5 ). not use any language or symbol on any envelope or in the contents of any communication affected by the males or telegram the indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt. 

I have proof and attachment labeled as exhibit A, B, C that the Monterey Financial Services is in violation of 15 USC 1692 ( D ) ( 2 ). they use obscene or profane language or language then the natural conquered consequence of which is to abuse the hearer or reader.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute with USAA on XXXX. USAA issued a credit for {$1400.00}, they made no contact with the merchant who agrees they didn't deliver the product/ service and could not refund my money. USAA reversed the credit and pulled {$1400.00} from my checking account without notice leaving me in a financial strain. I called ISAA and spent weeks trying to correct the issue. Their customer service people told me it was too late to do anything and the " customer isn't always right '' I am out {$1400.00} after providing all supporting documents and USAA refuses to do anything. As a XXXX veteran, I can not afford this. I served my country honorable and was injured on her defense. I need help in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a credit card through Synchrony bank. I was told my membership fee to Sams Club would be reduced from {$50.00} to {$20.00} for the year. I never was approved for the card. And XXXX dropped my credit score XXXX points. This seems ridiculous that they could get away with this! Your own company reported not long ago that credit bureaus like XXXX are scamming people.

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 2023-05-20 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: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I paid off a loan with aid advantage for {$1900.00}. I received a receipt showing paid off. But they never updated with credit bureaus. I asked them to update. They closed the account then re opened the account showing a full balance still. I disputed with the credit bureaus and sent them pay off information and they are stating that my pay off receipt is insufficient and the credit company confirmed my balance was not paid off. I have bank records and receipts from loan company showing it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: OR

Complaint narrative:
I received notice from all 3 credit companies today that a new collection account had hit my credit. I reviewed the account. This is an account from XXXX, which was opened in XXXX. It is now XXXX. This debt is over XXXX XXXX XXXX and has appeared on my credit several times by several different collections companies. I have a current account with XXXX  XXXX, two actually, and have therefor long since resolved this matter. As it reads now it does indicate that XXXX  XXXX was the original creditor however, it states past due as of XX/XX/XXXX and appears as a newly past due collection. This is false. The balance, the account open and delinquent date, all false. An old debt sold to another collection company thats long been settled appearing as a new debt. That is illegal. The companys name is consumer adjustment co.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: TX

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: Central Portfolio Control Inc.
State: NV

Complaint narrative:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: FL

Complaint narrative:
This letter is a follow up to my original letters dated below. Regarding inaccuracies in the below mentioned credit bureau 's file on me, as it relates to credit inquiries & fraudulent accounts ... XXXX, XXXX and Trans Union ... Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XXXX 
I sent a copy of all outstanding and outdated information along with unauthorized inquiries requesting the removal of the items.. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Therefore, I am requesting an investigation under 611 FCRA. Please also comply with Section 609 of the FCRA. Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon requests, and subject to 610 ( a ) clearly and accurately disclose to the consumer. Identification of each person ( including each end-user identified under section 607 ( e ) that procured consumer report. I'm requesting you reinvestigate and delete the following " unknown '' accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the CFPB and the Attorney General 's office. Should you continue in your non-compliance.

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