vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: TX

Complaint narrative:
Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ). 

I will also make know at this time that neither XXXX, Transunion, nor XXXX can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that XXXX, Transunion, and XXXX verifies, must be done so under oath in the presence of a XXXX. 

XXXX, Transunion, and XXXX are corporations and lifeless, soulless, entity, they do not have the power to verify any information.

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 2022-06-13 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: TX

Complaint narrative:
Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ). 

I will also make know at this time that neither Equifax, XXXX, nor XXXX can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that Equifax, XXXX, and XXXX verifies, must be done so under oath in the presence of a Notary. 

Equifax, XXXX, and XXXX are corporations and XXXX XXXX entity, they do not have the power to verify any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
The company of Convergent Outsourcing seems to have purchased debt I supposedly owed from another collections agency. However, not only was the account not mine in the first place, I already got the collection removed from my credit score several months ago, making this a repeated attempt at trying to saddle me with debt that is not mine. It also seems like the debt is being marked as new, making it so that it is on my credit report for longer. One last thing Is like to not is that I never even received any sort of communication from this company.

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 2022-06-13 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I purchased a sofa from XXXX XXXX XXXX online and used my Navy Federal XXXX credit card and the charge hit my account on XX/XX/2022 in the amount of {$1400.00}. The sofa was delivered on XX/XX/2022 and was defective. The retailer asked that I accept the delivery and they would correct any issues so I let them know what the issues where, 1st, the material was pulled away from the back of the sofa and 2nd, the entire back was loose and visible moved when you sat down and creaked loudly. After several weeks of going back and forth with the retailer, they offered {$95.00} to fix the material that was pulled away and did not address the loose back only to say the humidity can cause that which is completely untrue. At that point, I contacted Navy Federal to dispute the charge. I completed all the information necessary and Navy Federal did credit me back the {$1400.00} on XX/XX/2022 and said they would wait to hear back from the retailer. I then saw where the funds were charged back to my account again on XX/XX/2022 so I contacted Navy Federal and was told that the retailer provided information stating I did not follow their 7 day return policy ( which in not true ) and that Navy Federal would send me the retailers response and that I could appeal it and hopefully get my refund since I have a broken sofa sitting in my home. That was the last I have heard from Navy Federal and of course they still have the charge on my account, they just stopped communicating with me and of course I'm sure there are time limits on these appeals and it looks like I'm going to be stuck paying for a broken sofa and no one will call me back or give me any guidance. I've contacted the retailer with no luck, the manufacturer with no luck and most importantly, Navy Federal with no luck. I even sent Navy Federal a letter addressed to their XXXX, XXXX XXXX on XX/XX/2022, again with no response. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Partners Financial Services Inc
State: FL

Complaint narrative:
I recently sold XXXX gyms. I had a collection company working for me in all fou partners financial a division of XXXX XXXX  We supplied new bank accounts for collected debt to be deposited in. Now Im being told we never gave them that info I believe they have collected money and decided not to pay us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
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 XXXX XXXX XXXX Acct # 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 an 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 2022-06-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :

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 2022-06-13 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express is violating my rights per my previous cease and desist. The alleged debt collector is still attempting to collect a debt, which I requested in the Cease and Desist submitted on XX/XX/22 by reporting my current balance to the credit furnishers ( XXXX, XXXX, and XXXX ). American Express is also limiting my usage on my open ended line of credit, I am unable to utilize my extension of my open ended credit obtained using social security card that American Express is claiming I owe them, that's the clearest definition of identity fraud. This is causing stress in my personal life. Violations include 15 USC 1692g, 15 USC 1666b, 15 USC 1602L. This account is prepaid and should never be reporting to the credit furnishers with a balance, or as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Good Afternoon, I am writing today with the concern that the credit bureaus are ignoring my letters.. I sent them letters on XX/XX/2022 and still have not heard back this is not right. I have been waiting almost two months now for a reply from them about these incorrect items on my report and they still have not got back to me. these items that they have reported on my report are inaccurate and unverifiable and i need those items investigated and removed because this is negatively affecting my life and it shouldn't have been there in the first place, please help me with this matter and thank you for your time.

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 2022-06-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Good Afternoon, I am writing today with the concern that the credit bureaus are ignoring my letters.. I sent them letters on XX/XX/2022 and still have not heard back this is not right. I have been waiting almost two months now for a reply from them about these incorrect items on my report and they still have not got back to me. these items that they have reported on my report are inaccurate and unverifiable and i need those items investigated and removed because this is negatively affecting my life and it shouldn't have been there in the first place, please help me with this matter and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Binance US is not allowing me to withdraw money due to a " risk management issue ''. I initially tried to withdraw around XX/XX/XXXX. This was the first confusing part given there is no link as of how to resolve this issue. I let it sit for a few days, figuring something was wonky with their margin requirements. 

After trying again, a few days later, the mystery issue persisted. searched their site, and found no mention as well. As a result, I contacted support who gave me more information. 

I attempted to resolve the issue when given steps from their support, who asked me to state : " My name is [ First and Last Name ], today is [ Today 's Date ] my e-mail is [ your email used for registration ] and I acknowledge that I registered for a Binance.US account and I will be the only person with access. I confirm that I am logging in from a supported state. '' in a video. The support ticket was XXXX. 

Since submitting this request on XX/XX/2022, I have heard no response and have not had any access to transfer my money to my checking account. It is effectively illiquid at the moment. 

This is shady. To me, they make withdrawing capital extremely hard, probably due to volatility in the markets and their margin requirements. This is extremely anti-consumer and hurts folks who may need their money back within a reasonable ( 5-10 business day ) timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
my protected rights have been violated according to the fair credit reporting act and is also in violation of usc 15 1681 section 602 and 15 usc 1681 604a it also states consumer reporting agency can not furnish a account without my written instruction i do not have the account number on hand at this moment but i do have the names you can confirm once you look at the report those name will be on my XXXX spring oaks capital

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING XXXX ACCOUNTS LISTED HAS VIOLATED MY RIGHTS : # XXXX XXXX, # XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX & XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C. 1681 SECTION 604A SELECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2022-06-13 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: MA

Complaint narrative:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following inquiries be verified or removed immediately : 1.The following inquiry is not mine XXXX  Please remove it from my credit report.

2.The following inquiry is not mine XXXX  Please remove it from my credit report.

3.The following inquiry is not mine XXXX XXXX Please remove it from my credit report.

4.The following inquiry is not mine XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

5.The following inquiry is not mine XXXX Please remove it from my credit report.

6.The following inquiry is not mine XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C. 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information.

* ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Two weeks ago, my card was lost and I incurred a lot of charges that werent mine and I didnt know until I got an insufficient balance email from the bank, tried to fix it and nothing got resolved

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 2022-06-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
I do not have information regarding any debt. They do not leave any messages regarding the said debt owed. I receive phone calls from them at least twice a day. The phone calls come from various phone numbers. All attempts I have made to block them are thwarted by them calling from another phone number. It's beginning to get obnoxious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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: Consumer Financial Services
State: MA

Complaint narrative:
Consumer Financial Services- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX is still reporting to XXXX as is this loan is open. The balance increased. This account is closed and paid in full. I continue to have issue with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Acquisitions Group
State: MI

Complaint narrative:
Another party is trying to collect dept. The dept has been re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: GA

Complaint narrative:
I just found out there are XXXX new XXXX XXXX on my XXXX credit report from XXXX XXXX XXXX, XXXX that I do not recognize. XXXX collection is for {$390.00}, XXXX is for {$52.00} and XXXX is for {$1400.00}. I never received anything in the mail or got any phone calls about these debts, nor do I have any knowledge of them. I tried to mail a letter to Firstpoint and it got returned back to me. I have called them but can not get a response. So now I have collection accounts showing on my XXXX credit report that I never received letters about and I am unable to verify with the company because the address listed on my credit report is not accurate.

Company response to consumer: Closed with explanation