vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: FL

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 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 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 seven 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.

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 2023-04-14 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: TX

Complaint narrative:
This item needs to be verified with a wet signature. The documents used to furnish this information on my report needs to be provided in a prompt timely manner. 

The wet signature should already be on file with the bureaus. There should be no reason to be requesting information. According to the FCRA, there are specific documents required to furnish a item to a persons credit report. It also states that I can request a copy of these documents from the credit bureaus without reaching out to the creditor. 

This item has no reason to be on my credit report. This item is negatively affecting my credit. If the proper documentation was not used to properly report this to my credit it needs to be removed. 

Send all documents used to place this information on my credit needs to be sent to my mailing address immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Io, Inc.
State: VA

Complaint narrative:
RECEIVABLES MANAGEMENT SYSTEMS REPORTED the date of first delinquency on a trade line being reported by them as XXXX XXXX XXXX for six years and eleven months. They changed the date of first delinquency. I provided proof that they were reporting the date of first delinquency as XX/XX/XXXX by providing a copy of my credit file from XXXX dated XX/XX/XXXX. In response to my complaint RECEIVABLES MANAGEMENT SYSTEMS gave a statement saying that the date of service by XXXX XXXX the Original Creditor was XX/XX/XXXX. RECEIVABLES MANAGEMENT SYSTEMS did not provide any proof to their claim. I demand they provide documentation or update the trade line to reflect the true first date of delinquency as XXXX XXXX XXXX  and remove said trade line XXXX XXXX XXXX  as that will constitute 7 years reporting on my credit file. RECEIVABLES MANAGEMENT SYSTEMS and XXXX XXXX should be held accountable for their violation of FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I never had a business account with XXXX and there are putting a payment on my account that is not mines and is fraudulent and it really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Entered into a settlement arrangement with Citibank / Home Depot Credit card. Payment agreed to was {$760.00}. Payment was sent as agreed. Citibank successfully deposited the check but credited to the wrong account and never credited my accounts. My attorney and I have attempted to get this resolved directly with Citibank, but to no avail. We have called, emailed, faxed and sent letters over 35 times and are still unable to get the problem resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act under 15 USC 1681, everything has to be 100 % accurate on my credit report. I specifically asked the Equifax, XXXX, and XXXX to " investigate '' these accounts to make sure EVERYTHING is 100 % accurate. Account : XXXX XXXX XXXX XXXX XXXX  They responded and said everything is 100 % accurate. THEY ARE COMPLETE LIARS. I have downloaded my most recent credit report and there are several inaccuracies, which means they didn't do a proper investigation as required per the FCRA. The high balance, date of last activity, date opened, are all reporting different numbers. How are they all reporting differently if they are getting their information from the same source!!!!!! 

Also the companies have violated my rights several times under 15 USC 1681. According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: FL

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 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 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 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 XXXXXXXX has violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 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 seven years.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I made a purchase on my card - shortly after the purchase I noticed that I was overcharged from the original amount quoted to me. I reached out and filed a dispute on the charge around XX/XX/XXXX I contacted the dispute department on XX/XX/XXXX to follow up on the resolution as I had not heard anything. I was advised by the representative I spoke with that dispute was closed and a credit was issued back to me for {$940.00} During the conversation I confirmed once more that the case was closed and this was the final resolution- I still needed to pay for the services so I advised her I was going to pull out money separately to pay for the services but wanted to verify the case was closed and this was final - she stated it was final and the credit could not be reversed and no further action would be taken. Based on this conversation on XX/XX/XXXX I went to my bank on XX/XX/XXXX and pulled out just over {$900.00} and paid the company directly for my purchase. 
On XXXX I noticed that the credit I received from the original dispute was taken back and the original charge of {$940.00} was placed back on my card on XXXX. I contacted the dispute department to clarify what happened. During this call the representative advised again that there is no reversal to the credit- so I asked how or why was it reversed- she couldn't explain why but said the case was closed. 
Based on the expectation provided by the representative on XX/XX/XXXX I withdrew money from an account to pay for the services. If this expectation had not been set I would not have done this. Now I have already paid for the services in cash and had the services charged to my account- I have paid 2 times for these services. My actions were based on the expectation set by the representative - proof can be provided that I withdrew money to cover these services- if it wasn't for this misinformation I would not be out this additional money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
BANK OF AMERICA HAS FRAUDULENTLY ALLOWED MY PERSONAL ISSUED GOVERNMENT CHECKS WITH TO BE CASHED WITHOUT MY ( AUTHORIZATION ). I HAVE A STATEMENT FROM XXXX XXXX OF ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ( FRAUDULENTLY ) CLAIMED TO BE THE LANDLORD OF THE PROPERTY STATED IN A WRITTEN VERIFIED STATEMENT THAT HER BANK DOES NOT REQUIRE ( 2 SIGNATURES ) BUT ON XX/XX/XXXX XXXX THE FEDERAL GOVERNMENT MADE A MANDATE THAT IS WAS MANDATORY FOR ALL CHECKS TO BE SIGNED BY TWO PARTIES. I HAVE A CASE IN FEDERAL COURT ON XXXX XXXX XXXX Of ( ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). BANK OF AMERICA ALLOWED THESE FUNDS TO BE DEPOSITED AND CASHED. I AM SUBPOENAING ALL TRANSACTIONS WITH MY NAME AND ASSOCIATION TO ARKANSAS RENT RELIEF PROGRAM. BANK OF AMERICA IS APART OF THIS *STATEWIDE* GOVERNMENT SCAM. THAT HAS BEEN EXPOSED.

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 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi got the following on my credit report which is not known to me. 

XXXX ) XXXX  35 hard inquiries and 2 late payments. 

XXXX ) XXXX 22 hard inquiries and 2 late payments. 

XXXX ) Transunion 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting 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 explanation
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi got the following on my credit report which is not known to me.

1 ) Experience 35 hard inquiries and 2 late payments.

2 ) XXXX  22 hard inquiries and 2 late payments.

3 ) XXXX 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting 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 explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I had opened this credit card account recently and was scheduled to make a first payment. I made my first payment of {$100.00} on XXXX the XXXX of XXXX which went through and processed successfully. There was a technical error that occurred due to their website which allowed their system to attempt to process this same payment multiple times ( 3 other times to be exact ). I don't know how or why this happened but their website tried to process this same {$100.00} payment that was already successful for 3 other times on and it was unsuccessful due to me not having that amount of money in my bank account for it to process. 

This Credit card company closed my account due to this technical issue and will not allow me to reopen my account even though my account is up to date, my first payment was paid successfully on time ( before it was even due ). I never had a late charge, nothing. And this company closed my account due to an error on their own website! This is now going to go against my credit, I still have to pay off the remaining balance which they will allow me to do, however they won't reopen my account. Please help me! This is absurd! I literally had the account 1 month and it was in good standing the entire time! This is not right! Their supervisor says there is nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TX

Complaint narrative:
This item needs to be verified with a wet signature. The documents used to furnish this information on my report needs to be provided in a prompt timely manner. The wet signature should already be on file with the bureaus. There should be no reason to be requesting information. According to the FCRA, there are specific documents required to furnish a item to a persons credit report. It also states that I can request a copy of these documents from the credit bureaus without reaching out to the creditor. This item has no reason to be on my credit report. This item is negatively affecting my credit. If the proper documentation was not used to properly report this to my credit it needs to be removed. Send all documents used to place this information on my credit needs to be sent to my mailing address immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the fair credit reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 seven years. 15 U.S.C 1681 c. ( 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SG and Associates
State: NY

Complaint narrative:
STAFFORD GROUP AND ASS. Has place a collection account that doesnt belong to me. I have called them multiple time and they have not worked with me.

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 2023-04-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries 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 XXXX data breach and XXXX have got into the hands of the wrong person. 
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File

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 2023-04-14 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: MO

Complaint narrative:
I got many inquiries from unknown companies to show up on my credit report. I need them removed asap

Company response to consumer: Closed with explanation