vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I asked XXXX and Equifax and XXXX to be compliant with federal tax code, to which they havent with regards to my complaint.ive filed 3 disputes with all three companies under this premise article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these attached debts arent mine and need to be removed.

When I refer to these debts. I'll attach the debts/creditors charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These XXXX dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX and Equifax and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking XXXX and Equifax do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: MI

Complaint narrative:
I asked XXXX and Equifax to be compliant with federal tax code by disputing several items on my credit report to which they havent complied with regards to my complaiimt. Article 26 the United States Federal Tax Code states : " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. '' When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX and Equifax to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking XXXX and Equifax do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB step up, The account was not late on the months reported on the my credit report. How can it be possible to have 30 days past due and 60 days past due on the following month. This is simply ridiculous. Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 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 explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The student loan is not transferred, it is in forbearance. Since credit bureaus couldn't help me, CFPB please update this information and fix my credit report .. 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 explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit freeze was supposed to be removed last year I keep complaining about this they keep giving me the runaround. 
They keep grandstanding, This has to stop every year I keep calling in to get this corrected, They have all my information this process is done over and over prolong in my credit score I would like to be removed from that whole system up Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB step up, The account was not late on the months reported on the my credit report. How can it be possible having a late payment status and charge off all on the next month?. This is simply ridiculous. Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not..CHILD SUPPORT ENFORCEM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: MI

Complaint narrative:
I asked transunion and XXXX to be compliant with federal tax code by disputing several items on my credit report to which they havent complied with regards to my complaiimt. Article 26 the United States Federal Tax Code states : " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. '' When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force transunion and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking trabsunion and XXXX do the same.

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 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a member of USAA since XXXX, and currently have one checking account with them. On XX/XX/XXXX I made three transfers from my XXXX  XXXX XXXX checking account to my USAA checking account through the USAA app. My first transfer was in the amount of {$140.00} and no holds were placed. Then I placed a second transfer in the amount of {$80.00} and again, there were no hold on that transfer. My third transfer was in the amount of {$80.00} and before I could complete my transfer, the app prompted me that the transaction could not be completed at that time. When I looked on my checking account, my account had a balance in the same amount of {$80.00} and a hold of 8 days were placed on my transfer, making the amount available on XX/XX/XXXX. I contacted USAA to ask why a hold was placed on my transfer, and why the app prompted a message saying that the transfer transaction was not available at that time, and after being on hold for a few minutes, the representative came back on the line and told me that because I was charged ( incorrectly ) two NSF fees, the system will choose to place holds on my transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I made {$1000.00} payment on Friday, XXXX the XXXX to my Platinum AmEx. After making the payment, American Express online site showed to me that I had {$1000.00} available balance. I made two {$150.00} transactions ( {$310.00} in total ), and the card started declining the other purchases. American express website showed {$0.00} available balance. On Monday, XXXX the XXXX, I contacted AmEx Platinum services and a representative requested to speak to my bank. After conversing with my bank, American express released the remaining funds. 
On XX/XX/XXXX, I made another payment of {$1000.00}, and Amex website showed this full amount as available. After making a small purchase at XXXX XXXX, I was not able to make the second one, as Amex started declining transactions. American Express website showed {$0.00} available balance once again. 
This is AmEx Platinum credit card, earning Delta points with each dollar spent. I believe that AmEx Platinum is deliberately disallowing me to spend more money to receive Delta miles with each dollar spent and it is doing this by utilizing unfair and indecent business practices. Realizing this I attempted to cancel XXXX payment, which is allowed by AmEx website. However, once I clicked on " cancel the payment '' link, a massage popped up requesting me to contact AmEx later due to the system overload. This is yet another demonstration of their unfair business practices. And finally, I have received an email from American Express, stating that in 24 to 36 hours my payment will appear online. While contacting AmEx today, XX/XX/XXXX, I was informed by a customer service rep that they plan to take 5 business days before posting my transaction. I told him that I did not give a permission to American Express to hold my money for 5 business days, and that this is crooked business practice. I told them that I will place a complaint with CFPB, they did not care. Thank you for looing into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, LLC I call on XX/XX/2019 to find out their fax number. The lady on the phone said they don't have one. So her supervisor gets on the phone and tells me that they can fax but not receive. So I said well can I have your email than so I'm able to send documents to them. Everything is being recorded pull tapes. I can't stand getting the run around. Everyone 's lives are so busy. This company is so wrong I'm trying to get fair on grounds. They have all the cards. I can't send these documents out. I have never heard of the company until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony XXXX XXXX Credit Card. Was told of a promotional period, but was never visible as to what I had to pay within the Summary of Account History fully showing what is needed to pay, with the due date, as this is given on every statement. Then, I was charged an additional {$600.00}. Its like borrowing money from a loan shark! I almost had this bill paid off. How is this legal and allowed to happen? I thought the deferred interest was a reminder of the amount that I saved, not what I may have to pay. The additional {$600.00} was never in the Summary of Account History section of the bill, and never shown this interest amount due each month. Not fair. {$600.00} more, for not fully having the deferred interest in an obvious placement within the Summary section. I am a loyal customer. I should not have to pay the extra {$600.00}!!

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 2019-06-14 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: AZ

Complaint narrative:
DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE 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 explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I changed companies and the new company was supposedly to pay the final bill from old company when I got first letter from XXXX I called new company and they told me they would take care of it so when I got bill from collections I called again and was told payment was sent next thing I knew I was reported to credit report agencies I would like to pay for this debt and please have it removed from credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I have been a customer with XXXX XXXX for more than 7 years. I dont have an active contract with the above company because the service wears continued after completed my last two years contact. I called XXXX XXXX to discontinue the service and was changed an extra charge of {$80.00} which I paid. XXXX XXXX told me to send their equipments after they send me the boxes. I have received the boxes about a week later then paid {$10.00} toward the final bill. I called to get the final bill because the app service was blocked to my username and told it will be mailed. Ive told customer service that I drive a truck and go out of town for weeks sometimes. On the the XXXX of XXXX, I have received a notification from my credit monitor that a negative credit report by Diversfied Consulatants, INC. hits my credit for nonpayment. I found that was a collection agency for XXXX who never ever contacted me by mail nor phone. I called XXXX and spoke to customer service who apologized then made a full payment of {$270.00} on XX/XX/19. On XX/XX/19 Ive received a notice from Diversified Consutants, INC. to referred for collection. The notice was dated on the XXXX of XXXX and my payment was paid on the XXXX of XX/XX/XXXX5 dates before receiving their notice. The company had my last name different than my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: MD

Complaint narrative:
I have contacted equifax on multiple occasions about fraudulent inquiries on my report and I get no where I dont even see the things on my report that I did apply for they are very rude and unprofessional and will not help you to prevent or fight fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've sent information that was required online by Equifax to get my annual free report and have not received my annual free report from Equifax. A recent purchase agreement I made stated my Equifax score is XXXX. XXXX has my score as XXXX. Such a discrepancy needs to be investigated. XXXX XXXX shows my Equifax score to be XXXX. 
Need help to resolve Equifax reported score of XXXX to XXXX as opposed to Equifax score with XXXX XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your  failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 explanation
Consumer complaint received 2019-06-14 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 explanation
Consumer complaint received 2019-06-14 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My issue is with the 3 major credit reporting agencies inwhom is reporting unverified information inwhich has not been certified and physically verified but instead the 3 major credit reporting agencies has relied on electronic Verification inwhich by law can not be used as vertification. In addition the credit reporting agencies has caused great harm to me as a consumer and others alike as well by continuing to use outdated technology inwhich is contributing to the spread of misinformation. In concert with the FCRA I'm demanding the following unauthorized accounts be blocked/ removed / deleted from my credit file immediately. 

1 ) XXXX {$550.00} 2 ) XXXXXXXX XXXX {$690.00} 3 )  XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$270.00} 5 ) XXXXXXXX XXXX XXXX {$950.00}

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