vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: MI

Complaint narrative:
I am not working and I owe them XXXX they are taking a XXXX membership fee and I have send a schedule stop notice along with several emails they responded and said they will not stop the membership fee until I pay my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
I recently received a copy of my three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-02-01 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: PA

Complaint narrative:
I recently received a copy of my XXXX consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Sunoco on XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged my account XXXX  times in the amounts of XXXX, XXXX and XXXX ( XXXX total ) on XX/XX/23, no gas was purchased. The POS system displayed a pin pad error. I have not received my XXXX in XXXX  days.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell XXXX XXXX XXXX AND CAPITAL ONE BANK USA N.A. to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

XXXX XXXX XXXX Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
Greetings! I have noted that my credit report was used improperly by the following companies and i have contacted all the parties involved, moreover In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX CREDITXXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Factual Data XXXX XXXX Factual Data XXXX XXXX Factual Data 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 2023-02-01 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: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( XXXX  XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( XXXX  XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: WI

Complaint narrative:
At the end of XXXX or early XXXX, my Branch App where I receive payment for driving for XXXX XXXX  was hacked and the bank information was changed. I was not notified that banking information had been changed. As I had done numerous times in the past, I transferred my paycheck to my bank account, however it was redirected to some account that I am not associated with. I contacted Branch to file a fraud complaint due to the fact that the app had been compromised, payment information changed, and the loss of nearly {$700.00} in pay. I was told there was no fraud. Again, I did not change the bank information. I had to advocate to even open a fraud claim. Finally, a fraud claim was opened and 7 days later in XXXX, I was told that the claim was found not in my favor. I requested information about the investigation, and was told there was no information to give. I called back in and petitioned to have my fraud claim looked at again. 

Here is my request, if investigated, I know it will know that I did not change that bank information. If verified with accounting teams, I know my name, social, address, anything, will not be associated with the account those funds went into with XXXX. It is my belief that a thorough investigation was not conducted outside of looking to see the authorization of the transfers out of the app. I did authorize those transfers as I thought it was transferring to my bank. AGAIN without my knowledge, that information had changed. 

If the claim is denied because I authorized those transfers to INCORRECT bank information, I would like that stated. But I would also like an answer to which XXXX address, device or otherwise changed that information within the Branch App. I feel that this is in violation of regulation e as stated by the consumer financial protection bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell SPRING OAKS CAPITAL LLC AND XXXX XXXX XXXX XXXX to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

SPRING OAKS CAPITAL LLC Account number : XXXX  Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
Unauthorized account and inquiries appearing on my credit report.

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 2023-02-01 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:
Equifax has violated my rights as a human being by giving out my personal information and also, by me not giving Equifax a written consent to furnish any accounts. 

According to Law 15 USC 1681, Equifax has violated my rights numerous of times. I am a natural living person and I demand the listed accounts below to be removed : ACCOUNTS : XXXX XXXX XXXX- {$8400.00} XXXXXXXX XXXX {$880.00} XXXX XXXX- {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Innovative recovery is reporting a collection on my reports that I am not familiar with. I have reached out to them for validation of debt and documents pertaining to this account. In return I received a copy of a lease and an Itemized statement with a place for a managers signature which was missing. A lease with no signature and missing signature for the XXXX makes this account and debt invalid as they do not have proof of any legal binding documents to validate this debt as valid and hold be liable. I am requesting that this account is deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear agency I m a victim of ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: American First Finance, Inc.
State: MI

Complaint narrative:
This is a formal notice that I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates.

I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete any account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. 
Failure to delete the tradeline will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: MS

Complaint narrative:
A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXXXXXX XXXXXXXX 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 2022-12-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2, it also states that a consumer reporting agency can not not furnish any account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-14 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: SC

Complaint narrative:
I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: NV

Complaint narrative:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-12-14 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: NV

Complaint narrative:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation