vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: HI

Complaint narrative:
Back in XXXX of XXXX I sent a written dispute to Equifax via XXXX XXXX mail tracking # XXXX which they received on XX/XX/XXXX, regarding the following collection account : XXXX XXXX XXXX - Account # XXXX for the amount of {$2400.00}. The original creditor for this collection account is XXXX XXXX XXXX. 

The results that I received from Equifax dated XX/XX/XXXX, regarding the account were that they modified the comment section ; I disputed this account again and the 2nd results dated XX/XX/XXXX, came back as verified therefore it still remains on my credit report. 

I have also written to XXXX XXXX XXXX and to date I have never gotten a response regarding this collection account. At one point this collection account was also on both my XXXX and XXXX credit reports as well. I disputed the account with both companies, and they deleted this account from my credit profile. Equifax has failed to do the same. 

I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX any money at all. XXXX XXXX XXXX took me to civil court in the State of Hawaii at the XXXX XXXX in efforts to sue me for {$2400.00} back in XXXX of XXXX. The courts ruled in my favor and the Judge dismissed the case with prejudice on XX/XX/XXXX. 

When a case is dismissed with prejudice, the plaintiff is barred from filing a lawsuit on the same issue at a later date. Therefore, there should have been no further collection activity towards me. 

I have been dealing with the negative effects of this for 6 years. I am a single mother of 5 and it has prevented me from many opportunities including obtaining housing in the past. This is clearly the illegal debt collection practice known as debt parking and Equifax is allowing this by continuing to report this information on my credit report. This is damaging to my character and costing me financially. 

I have attached proof of the case record which shows the dismissal from the XXXX XXXX XXXX XXXX of the State of Hawaii for your reference as well as additional documentation that supports my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This involves my account with XXXX XXXX XXXX, and new returned phone XXXX and my entire account. My XXXX account was paid in full on XX/XX/2017 for a due date of XX/XX/2017. XXXX bills a month in advance of service. I closed my account with XXXX on XX/XX/2017. They actually owe me money. My Complaint is against Jefferson Capital Systems. They are reporting on my credit file for a debt that I do not owe related to XXXX. They report this in a way that is deceptive as if it is a current item, when it is not. it is 5 years old., This is not a valid debt as I owe no money to XXXX XXXX XXXX wrongly charged me fees, taxes, phone service for a phone I returned during the first 10 day grace period and XXXX also did not credit my account for charges related to the new phone that I returned to XXXX during the grace period. XXXX failed to reverse charges for service amounts and other charges. I paid in advance and XXXX did not credit me any of the charges they added regarding the new phone and they continued to charge me for a phone I didn't have- they had it. I was't using it but they were charging me anyway. XXXX continued to charge me month after month for service and phone number even a I closed the XXXX account on XX/XX/2017 a month and half later because they were not crediting me and were continuing to bill me wrongly and incorrectly. I decided to leave XXXX because they weren't correcting this after several attempts in contacting and speaking to them. I ported my phone number to XXXX and switched providers a month and half later. I didn't have service with them after XX/XX/2017. I owe nothing to XXXX. This is not a valid debt and this is also time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 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

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 2022-06-21 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:
In accordance with the Fair Credit Reporting Act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX : I placed an online order for supplements with XXXX XXXX XXXX XXXX XXXX for {$130.00}, using my CapitalOne Quicksilver Card. 

XX/XX/XXXX : I received an incomplete order, with two items missing and marked " backorder '' on the invoice, for {$33.00}. I corresponded with XXXX twice by email asking them to cancel these two items for a refund, and never got a response or a refund. 

Two of the items were defective - a XXXX supplement with a two-month expiration date, and XXXX rancid-smelling tubs of body cream. I emailed the vendor about these, supplied photos of all requested expiration and other product markings, and never received a reply or replacement. Twice I asked by email if they wanted them back ( at their expense since they sent me defective merchandise ), also receiving no reply. The total amount for these defective items is {$42.00}. 

I opened a dispute with Capital One in late XXXX, and they temporarily reversed the entire {$130.00}. 

XX/XX/XXXX : CapitalOne shortly forwarded me a package of paper copies of the vendor 's documentation and reply, stating that I am due a refund of {$33.00}. Capital One has never refunded this amount. 

CapitalOne 's cover letter states that : " ... the merchant provided the following information to support the transaction - confirmation showing no return per policy was received. '' I called again and was again given a temporary credit of {$100.00} ( why this lesser amount I have no idea ). Back and forth phone calls from me, and numerous letters from them asking for more and more information. 

Each of the numerous phone calls recounting the facts was clearly not enough for them. The supervisor I spoke with on XX/XX/XXXX claimed that the dispute was incorrectly opened in the first place (!!! ) I have spent hours on the phone with many representatives, supervisors, and managers, recounting AGAIN the facts of the case, as though for the first time. 

On XX/XX/XXXX I wrote up a detailed XXXX narrative with many supporting screen captures, in response to their latest request for information. 

This was not enough for them, they have ultimately denied my claim on XX/XX/XXXX, due to my failure to provide : " A second opinion on company letterhead from another merchant int he same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost. '' They are putting the onus on XXXX to find an online supplement vendor to donate their time, which is XXXX of the more preposterous requirements I have ever run across. 



Ultimately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: PA

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX 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 written instructions

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 2022-06-21 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: TX

Complaint narrative:
The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my XXXX, Equifax and XXXX credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 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 an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TX

Complaint narrative:
The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my Experian, XXXX and XXXX credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 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 an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
dear Sir! 

This is about a pay card by Money Network. I worked at XXXX XXXX in XXXX XXXX Ohio. I was given a money network pay card. It took me longer to activate the card. 

I had difficulty in approaching the pay card company for any difficulty for services like reset pin or change pin. During pandemic the phone lines are busy and longer wait times and so on. I had some tine been able to call to find out balances. I came to hear of {$5.00} charges for previous months. The balance tended to be XXXX. 

I guess that I may have charges for non use of card. I have other pay cards as well and often check for any activity or fraud. I could not reach and succeed to speak to call representative. We do not have any other, practical to inquire. The pay card do not send monthly statement or on line alert. I understand that the pay card company has my address and e mail or phone #. 

It is understood that the card holder is bound by payment agreement by the card company. I have to be sure that dormant accounts are charged. But the alerts are not obligation or even fair practice. This can help the card holder from repeated charges. 

I will request that Money Network see in my card activity and let me know of charges. 
If possible, I am allowed to reverse the charges. The pay card company should encourage savings for their members and not spending. Also the communication can build trust. Loosing trust an one card can result in refusing any or all card by the user. I hope the company will review the complaint from the view point of user. 

Thanks. 

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RE : XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( XXXX ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CA

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 {$270.00}, 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 consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CA

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 {$270.00}, 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 consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent a transfer to XXXX, and the bill said that it could arrive on XX/XX/XXXX or even earlier, but the XXXX side has not received it now, and it does not work to go to the bank to ask

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 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: OR

Complaint narrative:
Equifax. XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. XXXX XXXX XXXX XXXX office a compliant as well XXXX programs are being affected. by this reporting police reports from XXXX  and XXXX has been sent your office and the XXXX XXXX XXXX with XXXX request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
There is an entry on my XXXX credit report that appeared in XX/XX/2022 from SA-VIT XXXX XXXX  collections agency for {$240.00}. This debt does not belong to me and it should be deleted from my credit report. I mailed this company a debt validation letter on XX/XX/2022, asking them to validate the debt or delete it from my credit profile. I am attaching a copy of this letter to this complaint. As of XX/XX/2022, I have not received a written response from SA-VIT XXXX XXXX nor has this invalid entry on my XXXX been removed. I am asking that you please ask this company to delete this entry from my XXXX credit report as it is not mind and they have not proven the validity of this debt.

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