vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have called XXXX at least three times to have all fraud and freeze alerts removed. 
I called XXXX on XXXX and advised him to remove the fraud/freeze alert, suggested it was done, and got a postcard showing that it was added on XXXX. I called the same number on XXXX again and spoke to XXXX, was advised that I was done, and just got a letter today dated XXXX that it was added and that Equifax and XXXX would be alerted to add it as well. I called today same number and spoke to XXXX, I asked for a manager, but he never got one, and he was insulting and over-talking me ; he stated he did not show one and said I would get a letter saying it was one, although it is not. I have the notes, postcards, and file numbers that I will attach. I want to ENSURE that there is NO FRAUD/FREEZE on my credit file at any credit reporting bureaus. I have been challenging old and wrong items on my credit and keep getting pushed back since XX/XX/2023. This has caused me time and money on postage, printing paper, ink, and sanity. I want a letter via regular mail from all three advising me that this has been taken care of and the customer service agents WROTE up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have called XXXX at least three times to have all fraud and freeze alerts removed. 
I called XXXX on XXXX and advised him to remove the fraud/freeze alert, suggested it was done, and got a postcard showing that it was added on XXXX. I called the same number on XXXX again and spoke to XXXX, was advised that I was done, and just got a letter today dated XXXX that it was added and that XXXX and Experian would be alerted to add it as well. I called today same number and spoke to XXXX, I asked for a manager, but he never got one, and he was insulting and over-talking me ; he stated he did not show one and said I would get a letter saying it was one, although it is not. I have the notes, postcards, and file numbers that I will attach. I want to ENSURE that there is NO FRAUD/FREEZE on my credit file at any credit reporting bureaus. I have been challenging old and wrong items on my credit and keep getting pushed back since XX/XX/2023. This has caused me time and money on postage, printing paper, ink, and sanity. I want a letter via regular mail from all three advising me that this has been taken care of and the customer service agents WROTE up.

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 2023-06-21 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:
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. 
XXXX XXXX Reported : XXXX XXXX XXXX  {$1100.00} Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: OR

Complaint narrative:
The attempts to validate debt owed on my credit report have gone unanswered, and when I attempted to gain information via the phone, the company could not find an account for me. the company is Global Lending Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was offered a promotional deal/discount from Home Depot . {$25.00} off initial purchase if you applied/got approved for a CITIBANK ( Home Depot ) card. So I applied, got approved, and made a one-time online ( Home Depot ) purchase. But I never received a bill, nor credit card, from CITIBANK... so I was only able to use the card once. The only thing I ever received from them was an overdue bill notice via email. The email gave a phone number to call for questions regarding the notice. But when I REPEATEDLY called, the automated prompt asked for either a credit card number or last XXXX digits of your social security number to continue. I punched in my social security number ( never received the card, so I didn't have a credit card number ), but got a response stating my account had been cancelled ... and was promptly disconnected. Seriously, how can you pay a bill if a company ( CITIBANK ) never sends it?! So I ended up filing a XXXX complaint against them. ( I paid for the purchase, but refuse to pay a late fee & 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 monetary relief
Consumer complaint received 2023-06-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: LA

Complaint narrative:
XXXX XXXX is reporting that I am currently late every month in an account that they write off in 2019 as bad debt. They issued me a 1099-C that I had to include on my taxes and I am not currently late for any payments because the account is closed and should be reporting a XXXX balance. According to the law once a company has issued a 1099c for the debt. The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. Both experian and XXXX are reporting this account incorrectly despite several dispute requests.

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 2023-06-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning Section 1681s-3 of the Fair Credit Reporting Act ( FCRA ) and to request your compliance with the obligations outlined within this section.

The 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! In light of the above, I kindly request that you review the reporting of late payments associated with my credit file and take the necessary steps to rectify any inaccuracies or incompleteness in accordance with 15 U.S. Code 1681a ( 2 ) ( A ) of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning Section 1681s-3 of the Fair Credit Reporting Act ( FCRA ) and to request your compliance with the obligations outlined within this section. 
The 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! In light of the above, I kindly request that you review the reporting of late payments associated with my credit file and take the necessary steps to rectify any inaccuracies or incompleteness in accordance with 15 U.S. Code 1681a ( 2 ) ( A ) of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: VA

Complaint narrative:
Good evening to whom it may concern, As of today, I have called Equifax, XXXX and XXXX several times and have sent them letters disputing violations reporting on my credit profile. I have attached the receipt when I mailed my letters and the actual letters and copy of credit report from XXXX and today. The accounts are the XXXX XXXX and XXXX reporting several inaccuracies across all three credit agencies. This is a FCRA violation, the accounts should be removed and deleted as soon as possible. The agencies have also not given me details on how these accounts was supposedly verified because they did not do an actual investigation by law as they should. On one occasion a representative form Equifax stated that my identification I sent to them was wrong. I feel as if they have tried every effort to NOT solve the issue with this account. Had they done so they would have come across the discrepancies as I have. Also, the reporting of inaccurate information is affecting my credit worthiness and my ability to secure funding for personal and business endeavors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
Support will NOT help me, I have no access to acct XX/XX/XXXX was the start of the credit building account. Have made automatic payments ever since opening account and all of a sudden now I can not access the account. I contacted " support '' and after a few emails, I was told that since my information didn't match, XXXX XXXX could not help me. Mind you, on the website, it says that Kikoff support would be happy to help. I changed my email address and was pretty sure that I contacted Kikoff to get that changed and even if I had not changed it yet, the response I got from XXXX XXXX as " support '' is a joke, she does not want to help me and is now ignoring my emails. The money that I have in the account is not much, but since it is my money, I would like to be able to access my XXXX account. Complained to XXXX also. 

Date of experience : XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Before XX/XX/2023, Midland Credit Management send via XXXX a letter pertaining to a debt they purchased and offered to accept {$50.00} biweekly payments to pay of this debt. The letter states that the offer must be responded to within 15 days of the dated letter. This letter is dated XX/XX/2023. It however was received on XX/XX/2023. This would require a response within 3 days of receipt in order to be able to comply. This tactic is abusive to the consumer and does not provide sufficient time for the consumer to weigh the options and to properly budget for this payment into their routine. To demand a response within 15 days of the date of the letter, but to withhold it from immediately being sent to the consumer appears to be a common issue I personally have experienced as other letter which do not have direct tracking, have been received nearly an entire month after the date of the letter. These can however be verified with USPS informed delivery as daily emails are received with images of what is expected to be delivered that day. Several communications from Midland Credit can be proven to have been received by more than 21 days after the date of the letter, and after the stipulated " respond by '' date stated in the letter. This violates the rules and regulations set by federal lawmakers on the practices of debt collection and is a tactic that should be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is not my account please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
RE : XXXX  DISPUTE, THROUGH CAPITAL ONE CASE NO : XXXX I made a dispute against the charge from XXXX. The disputed amount is {$300.00} and the transaction date is XX/XX/2023. 
I was informed today that the merchant is claiming that he provided me with services, and that I signed to agree to his terms and conditions. I did not sign anything agreeing to any services. I was not provided with terms and conditions. I paid for a hoodie, and have yet to receive it. Further, I believe that I provided adequate proof that I paid for merchandise and not services. The username from the merchants XXXX account matches the email address that he contacted me from, and we were clearly discussing the purchase of a XXXX brand hoodie for {$300.00}, and not " services ''. 
If the merchant is saying that I paid for services and signed documentation, then that is fraud as I did no such thing. Capital One ruled in the merchants favor, and I now have to pay back the {$300.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-21 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: FL

Complaint narrative:
Around XX/XX/22 I disputed incorrectly reported information on my credit report and this is in violation of my rights. I further Request the original contractor that I signed with be required to provide " proof of the debt as well as billing statements for the last several months and the ORIGINAL CONTRACT that was signed by ME to open the account '' as no such documentation exists. Therefore the accounts MUST be deleted pursuant to the law under : 15 U.S. Code 1681. 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 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA is denying me access to my account. I have changed my phone number and disconnected the old one. They try to send a text to verify it is me when logging in. I have called several times and spoke to a representative. They will not accept my PIN, password, SSN, user id, email, pet 's name or any other safeguard other than texting. They directed me to go on the website and verify myself by sending a picture of my driver 's license ( front and back ) which I have done. After completing it the message reads that they ( USAA ) will contact me within 1 to 5 business days. No one has contacted me. Probably because they are trying to reach me on my old phone number. When I called back, they said it should have asked me for a new phone number during the verification process. It does not ask for a new phone number or any other information. I have no way to access my account with this financial institution. They will not elevate the call to a supervisor or manager because I am not verified. It is incomprehensible to me how a company could operate in such a reckless manner and not resolve 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 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC

Complaint narrative:
On XX/XX/2023 I authorized XXXX to debit {$600.00} from my XXXX XXXX XXXXXXXX account to convert to XXXX guaranies ( XXXX guaranies ) and deposit in my XXXX XXXX account in XXXX. 
On XX/XX/2023 I recieved confirmation from XXXX that the funds had been sent and would be available on XX/XX/2023. 
It is now XX/XX/2023 and my money still has not been deposited into the XXXX XXXX account. 

To resolve this issue I have repeatedly emailed XXXX. Since the company claimed they are tracking the transfer I requested to see field XXXX on the XXXX document with the XXXX XXXX XXXX XXXX. My request was denied by XXXX I also called XXXX customer service three times inquiring about my transfer. 
I have called XXXX XXXX customer service twice and emailed XXXX XXXX customer service a copy of the XXXX document.

Company response to consumer: Closed with explanation