vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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:
Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, Equifax, and XXXX are in direct violation of the Fair Credit Reporting Act, The XXXX XXXX XXXX XXXX and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX # XXXXXXXX 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 2023-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
XX/XX/2023 - Merchants Credit Association - XXXX XXXX called me at work, when I informed her that she reached me at work and needed to call my cell phone at XXXX. She became defensive and angry. I said thank you and hung up I called and left several messages over the weekend as I had tried to begin making payments on their website the amount of my statement XXXX on the paper statement I found was for XXXX some odd dollars. 
I explained in my voicemail I was not to be contacted at work and could be reached between XXXXXXXX XXXX XX/XX/2023 - I received a call from XXXX XXXX and was unable to answer but called back within XXXX minutes. When connected I explained that I had tried to pay online but my packet number wouldn't work. XXXX XXXX looked up my account, stated it was a debt collection and that I owed XXXX some odd dollars immediately becoming combative. and aske what he could help with. I stated that what he could help with is not having his collegue XXXX XXXX call and be so innapropriate and to give to please give me the packet number. He stated that the bills were from XXXX accounts from XXXX hospital and asked if XXXX and XXXX were my children, I asked for the dates of visits or to be sent a detailed statement. He asked again for my children 's names and said I wouldn't answer his question so he wouldn't answer mine. I told him I didn't have to and again asked for the dates and/or packet number. He finally gave me the packet number I explained to him that is the same one I had which didn't work. He told me it is because it's been referred to the legal department and that was the hold up. I asked that he unlock it so that I could make payments and not have to deal with anyone on the phone at his company. He said the decision had been made. After a few more words I mistakenly said I would report him to the XXXX meaning the XXXX. He stated " oh the XXXX, I just want to make sure I'm hearing you correctly ''. On the recording you can tell I start out nicely. This is the XXXX humiliating and horrifying incident with this company. 

I would like to pay my bill, I am escaping a very bad relationship the bills are from my daughter being treated for XXXX from it I believe. In the drama and shuffle of her intensive XXXX XXXX etc. bills slipped by the wayside. I'm slightly crushed and at a loss of what to do.

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 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 at XXXX I was attempting to send money to XXXX XXXX XXXX XXXX XXXX handle $ XXXX however I had not noticed the system prefilled $ XXXX by the time I saw that the transaction was in process. I immediately attempted to contact customer support via the chat but was unable to get anyone then I called the customer service number. Only to be told that all I could do was reach out to whom ever I had sent the money to and ask for a refund. However I do not know who this is that it was sent to. I communicated that to the representative and the only thing he said was that he provided all the information he can provide to me then and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX.Validate Account XXXX XXXX XXXX Account Number : XXXX : XXXXValidate Account XXXX XXXX XXXX Account Number XXXX XXXX XXXXValidate Account XXXX Account NumberXXXX XXXX Account NumberXXXX Validate Account XXXX Account NumberXXXX XXXX. Validate Account XXXX XXXX Account XXXX Validate Account XXXX Account NumberXXXX Validate Account XXXX  Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate Account 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09 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: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09 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: PA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


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
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX, a military housing community in XXXX, FL, was my place of residence from XXXX to XXXX. In the beginning, I had only agreed to a 7 month short-term lease, with plans to move into a house I was under contract to buy. 

Things went well while I occupied the unit I lived in. However, I had been warned by colleagues about illicit & poorly explained business practices that I would fall victim to unless I took great care of the move-out process. I took great care of the property, making sure to clean thoroughly at the end of my time living in the community. By the time I finished cleaning prior to the move out inspection, the house was cleaner than it was before I moved in. 

XXXX XXXX XXXX, in their move out inspection process, charged me their standard {$300.00} cleaning fee, and then was unclear/unwilling to explain what the cleaning fee was for, aside from vague emails intended to corner me into paying the fee. I took this complaint before the XXXX XXXX XXXX XXXX XXXX, where they calmly agreed with me that the fee was clearly excessive and unfair. 

XXXX XXXX XXXX never responded to the letter sent by XXXX XXXX requesting their dismissal of the fee, and instead sent the {$300.00} cleaning fee to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: NY

Complaint narrative:
I took time out to write a letter to XXXX, TransUnion, and XXXX on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2023-01-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: NJ

Complaint narrative:
Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only Experian has updated it. Experian removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX XXXX has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.

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 2023-01-09 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: VI

Complaint narrative:
The credit bureaus never did proper investigation according to the FCRA. It has been XXXX or more years now since I've pay off my loan an i still seeing a charge off on my credit report. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general, reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with other with whom he is acquainted or who XXXX have knowledge concerning any such item of information. They did not do this. Also they have violated my rights ever more. In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigation but how is so if the inaccurate an the account is not deleted this ground foe removal. They also violated the laws because according the 15 U.S.C 1681 section 602 A. state i have rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give anybody written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: NY

Complaint narrative:
I took time out to write a letter to XXXX, XXXX, and Equifax on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation