vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: VA

Complaint narrative:
I have been trying for XXXX days straight to contact a live person at Direct Express. I am a XXXX XXXX who receives her social security XXXX on a Direct Express prepaid card every month. It seems ever since I file complaints with your agency before against Direct Express it's as if they are retaliating against me. Cuz whenever I try to call I have to put in my card number and then I am unable to ever get a human being on the phone they just totally disconnect me. I have a question about why I can't transfer money from my account to my XXXX XXXX card so I can use it to do my laundry with. I do not like using my actual Direct Express debit card to do transactions in public places. So I used to be able to transfer money from Direct Express to my XXXX XXXX card and then use my XXXX XXXX card. Ever since the last time I filed a complaint with Consumer financial protection bureau Direct Express has made it impossible for me to transfer anything they've made it impossible for me to get a human being on the phone and they keep hanging up on me. I'm getting tired of the way that they treat me as a customer. They should not be allowed to retaliate against people who have filed complaints against them before. I have other friends who have been able to get right through to Direct Express but when I call and put in my account information it just cuts me off. To me that's unacceptable I have valid account questions and I can not get anybody on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted disputes to you and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you in advance.

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 2022-08-05 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:
I have submitted disputes to you and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you in advance.

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 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: UT

Complaint narrative:
This debt was reported in XXXX. The date was recently changed to XXXX. The debt was scheduled to be removed this year. Ive contacted XXXX, a dispute has been opened, again. XXXX stated that it had been changed and it would come off XX/XX/XXXX. It didnt. I contacted them again and was told, the original debt was XXXX and not Enhanced Recovery. This is not true. I have seen it under Enhanced Recovery this entire time. Enhanced Recovery is intentionally, illegally effecting my credit. 
I would like this removed and Enhanced Recovery fined for bad business practices. 
I have stated repeatedly, I have no knowledge or recollection of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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:
Good afternoon. I am writing due to Equifax reporting information on my consumer report that was not authorized by me which has made my consumer report unfair and not equitable to me. My privacy was breached without my consent and my right to privacy was violated. Equifax never had permissible purpose **15 USC 1681 B ( 2 ) ** to disclose any of my personal non public information. I never instructed Equifax to furnish this report or to create this report. I never consented. I instructed Equifax to remove all of my personal non public information such as payment history, employment history, an addresses and they declined my request. I want to have the information such as payment history, employment history, and addresses removed. I have disputed this information as well as demanded for the information to be removed and my requests were denied. 15 USC 6821 ( a ) ( 2 ) states that furnishing fraudulent information such as late payments is a violation. I have requested that all late payments be removed for my Equifax consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This company uses harassing tactics to obtain payment. They call repeatedly during the day. They have called me in excess of 8 times on a sunday. They even harass on holidays. They agreed to change my due date for my repayment schedule and it was never adjusted. The company stated they only extended a courtesy for that time being. Which was completely false. An associate clearly asked me was there a better day throughout the month that would be easier for me to make my payment. I replied yes. We both agreed on the XXXX of the month. When I brought this up on one of their numerous harassing phone conversations they refused to pull this particular call and I was told that was only a one time courtesy, which was false. They called me 6 times on the XX/XX/22. I receive up to an excess of XXXX calls from them daily and these calls begin on the XXXX of the month before what would normally be considered close of business, XXXX pm and continue every single day until payment is made. They wont even give it XXXX hours after payment is due to begin to call. This is causing undue stress and Im in the process of obtaining legal representation to stop this harassment.

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 2022-08-05 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-05 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: IL

Complaint narrative:
In light of the recent news about Equifax issuing millions of consumers inaccurate credit scores, it pains me to know that Equifax has participated in countless fraudulent and erroneous behaviors and acts that has negatively affected my character, reputation and mode of living. 

As a federally protected consumer, I have a right to privacy! A consumer reporting agency shall not share my non-public personal information without prior written or oral consent from me as the consumer. Pursuant to 15 USC 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes of consumer reports ( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may fu
rnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Equifax had no Permissible purpose to obtain or share my consumer report or anything contained therein with ANY PERSON, WITHOUT MY CONSENT. No consent is identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Tuesday XX/XX/2022 I deposited {$4800.00} in cash at bank of americas atm on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The atm asked me if the amount i was depositing was correct and i clicked no for it to return my money. It only gave me back {$4000.00} and kept the rest ( it attempted to give me back the rest but quickly swallowed it back inside ). 
I went inside and spoke to the branch manager who gave me a XXXX number and the atms serial number and advised I would be credited immeditaley while they invetigate. He also credited my account immediately with {$220.00} in fees for the inconvenience. It now turns that the investigation may take up to 45 days and they deny to credit the amount. Please help!

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 2022-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
The debt collector Credence XXXX head been harassing me since XX/XX/XXXX on a {$20.00} debt that was paid last year. The medical bill was from XXXX of XXXX, Pa. The first service rep I talked to asked to be on a 3 way call to talk to XXXX about the charge. XXXX told both of us that this charge was paid back in XXXX. Service rep apologize to both of us and said he would clear the charge on his end I decided to call back and find out about this charge possibly being on my credit report and if it was to have Credence take it off. This rep said they could not clear this charge unless I called XXXX to have them send paperwork. I told Credence I just cleared this up with another rep there to look at her notes on the account. She refused to go any further unless I called XXXX. I asked to be connected to the rep I talked to and she refused. I remind her that her company is refusing to do the very thing I was asked to do by the service rep of your company and you are asking me to do your job because your company failed to communicate correctly with XXXX. She flat out said I had to call. I said your rep said the 3 way phone call and failed to do his job. I warned her that I do not wish to receive another phone call from Credence. I also told her to clear this account on her end and takes off any and all reported marks on any of my credit reports. She denied service. They have been harassing me over a {$20.00} bill since XX/XX/XXXX with a phone call about every day since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Late fees were charged, then credited then charged again. Called Goldman Sachs on 3 occasions but could not get fee charges reversed. I ended up paying the fees so I could close the account. 
It was theirXXXX XXXX that they bought from XXXX XXXX. 
I never had any late fees or issues until Goldman Sachs took over. 
I found them very difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Aargon Agency, Inc.
State: NC

Complaint narrative:
I am very stressed at this time as I am in the process of applying for a mortgage loan and that is when I find out that I have an account that is in collections. I immediately send a debt validation letter to Aargon Collection Agency and their response was sent to me after 30 days and they did not send the information that was requested. What was sent to me was insufficient being that I didn't receive the original application with my signature on it and the complete payment history with the itemized bill associated with this alleged debt. This collection agency has reported information that is not 100 % accurate and is considered as negligence on their part. I never verified this debt and this is the first time I was made aware of the alleged debt when I seen it appear on my credit report when applying for a mortgage loan.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ZuntaFi Corp
State: IL

Complaint narrative:
I started a XXXX XXXX bankruptcy in XXXX  which included ZUNTAFI ( formally known as RXXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was discharged. During court proceedings, ZUNTAFI did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was discharged. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, ZUNTAFI has reported me being 120 days late on payments to this non existent account. This has down extensive damage to my credit score. I am also including documentation from the bankruptcy showing that they have been discharged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/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 2022-08-05 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: FL

Complaint narrative:
on XX/XX/2022 Equifax investigated a collection and determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( B ). Which states ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

To this day I have not received anything in writing with a statement of the disputed information. 

Account Name XXXX XXXX XXXX or XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.

Company response to consumer: Closed with explanation