vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: NY

Complaint narrative:
In accordance with the Credit Reporting act XXXX, Accounts Assoiated with XXXX, XXXX, Equifax # 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 Its also a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am submitting this complaint through the CFPB in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$3300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: MO

Complaint narrative:
Again, I was a victim of identity theft and this compalint is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ), the Credit Bureaus are required to remove/block any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information some XXXX XXXX provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Reporting Agencies that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXXXXXX 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 2022-08-17 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: NJ

Complaint narrative:
i sent a dispute letter in XXXX to remove inaccurate information from my credit report and it is XXXX this account is still reporting on my credit report and i have not heard back from them

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 2022-08-17 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: MO

Complaint narrative:
Again, I was a victim of identity theft and this compalint is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ), the Credit Bureaus are required to remove/block any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information some XXXX XXXX provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the XXXX XXXX XXXX that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Synovus Bank
State: NC

Complaint narrative:
There are XXXX First Progress accounts showing on my report, when I reached out to First Progress to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the First Progress Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX I made an atm withdrawal for XXXX and was charged XXXX on XX/XX/XXXX I made an atm withdrawal of XXXX and was charged XXXX... XXXX time I received an error message on the atm regarding my card and the atm didn't dispense any funds at all. I went inside the bank and a clerk told me the charges should drop off. The transactions posted and on the XXXX I filed a dispute explaining to chime. On the XXXX I received an email from chime stating my claim was denied and I can't appeal. {$720.00} is a lot of money and I refuse to loose that much due to a careless bank if I have to take this to court and XXXX I will. I just want my money. I never received even {$1.00} from the atm. It's the first few days of the month I was trying to withdraw that for rent but now I'm behind and at risk of eviction due to a XXXX atm and banking with the worst possible bank ever... XXXX isn't on their customers sides at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
I have filed numerous complaints.I am a natural person, I am a human being and I have rights under 15 USC 1681. It is my knowledge that Equifax is govern by 15 usc 1681.and they have violated my rights number times and I have filed numerous reports. I demand the following accounts below be removed from my report because, According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts. 


Account-XXXXr Consumer Account - XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have received XXXX notices from Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, Phone XXXX XXXX stating that I owe a XX/XX/XXXX debt of {$380.00} that was charged at the location XXXX XXXX XXXX, XXXX XXXX NV XXXX for a satellite dish from a company called XXXX, XXXX XXXX 

I received the first notice in XXXX, XXXX and received the XXXX notice today XX/XX/XXXX. 

I called the company when I received the XXXX notice, and told the person there that I had never lived in Nevada and never owned a satellite dish, and that the debt was not mine. 

I have now received a XXXX notice saying the I owed the {$380.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: Grain Technology, Inc.
State: TX

Complaint narrative:
Pursuant to 15usc1666b timing of payment states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. 
None of this was honored when I tried to dispute late payments for XXXX, XXXX XXXX, and Grain Technology. 
I disputed it several times and they keep saying it's verified. I asked how did they verify it, but they just sent a bill layout. If it's not to be reported then it should be removed ASAP Also according to 15usc1681b no permissible purpose to place on the report. Breaking the privacy law as well. 
pursuant to 15usc1681a2a ( i ) it is excluded from a consumer report .... Transactions and experiences between the consumer and the person creating the report. 
All of these violations are due remedy for damaging my report of {$1000.00} each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CO

Complaint narrative:
I notified XXXX EQUlFAX, andXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX 5 : Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And supplied documents supporting why accounts were inaccurate including Billing statements, Bank Statements and Copy of Credit Report and to their Fraud Dept I sent Letter from FTC that the following accounts were due to Identity Theft and I included Police Report # XXXX Affidavit and FTC report 1 : XXXX XXXX XXXX XXXX XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX 4 XXXX XXXX 
XXXX XXXX XXXXXXXX XX/XX/2022 XXXX sent by Certified Mail a letter requesting investigation of all accounts previously stated to investigate if every piece of information was 100 % correct if found to not be correct to remove from my Credit Report The credit Bureaus stated Accounts was properly investigated but how is that possible if date Last Verified is inaccurate, Date Reported is inaccurate, date Opened is inaccurate, Last Payment date is inaccurate, Account Type is inaccurate, Creditor Type is inaccurate, and Payment History is Inaccurate, and Payment Frequency is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 ( A ) Section2 The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well 15 U.S..C 1681 Section 602 ( A ) States I have the right to privacy 15 U.S.C 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 15 U.S. Code 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never supplied written instructions to furnish Report to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Delta Management Associates, Inc.
State: NC

Complaint narrative:
There are XXXX XXXX XXXX accounts showing on my report, when I reached out to XXXX XXXX to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the XXXX XXXX Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar should be forced to shut down and fined by the government for everything they have put us customers through between the website and inconvience. On XXXX I contacted Vystar Credit Union because I have a bill on XXXX, I also have been making payments on my own to pay the bill off. Vystar never sends me a txt message or calls me to verify anything, they automatically just block your card or won't let my payment go through than I have to wait over 50 minutes for a representative to pick up to unblock it an allow the charge to go through. I spoke with a rep today XX/XX/2022 and told her not to block any payments I make to this company as I have been making payments for over 2 months now and its not fraud! I tried to make another payment to the company later that night, AND same thing happened again payment won't go through which means I have to start work late again tomorrow to call for the same reason. I XXXX  this bank so much I will be taking partly a day off to look for another Credit Union. When I make charges early in the day for example if I make a charge on XX/XX/2022 it shows in the transactions tomorrows date XX/XX/2022 I have never seen that happen with any bank in my life. I don't think this is legal. I caution anyone who banks with them. Since web issues, now when my money is deposited from my employer it says " XXXX XXXX '' instead of my employers name.

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 2022-08-17 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: MN

Complaint narrative:
I went to XXXX XXXX XXXX XXXX  they told me they would pull me credit once but i had multiple hard inquires 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
XXXX  XXXX XXXX and Zelle - XX/XX/2022 - Approximately XXXX EST  - Scammed amount is {$300.00} I was scammed {$300.00} via XXXX XXXX using the company Zelle putting a hold on the money and the buyer/scammer had to send an extra amount for the hold to be lifted and I have to return it. I was in a verbal phone call with the scammer and I was manipulated and pressured. 

I have called XXXX  XXXX XXXX immediately and I was transferred to the Zelle Fraud deparment. An agent stated he filed a claim and it will take 45 days to get a result. He also stated that what happened to me was a scam and not a fraud since I " authorized '' the payment, and zelle most likely will not credit me back the {$300.00}. 

My complaint is why they even bother putting a claim and get my hopes up when it's almost not gon na get credit back. I even borrowed that money from my dad and it added more pain to myself. I do understand I'm at fault as well, but everybody makes mistakes especially if I was being manipulated. Additionally, I never have received any warnings from both Zelle and XXXX  XXXX XXXX about these type of scams, If I had gotten this information from them maybe I would have not made the mistake. Please whoever is reading this and will handle this, I beg you to save me from awful emotions I'm having right now. Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00} XXXX XXXX Balance : {$8500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: MN

Complaint narrative:
I went to XXXX XXXXXXXX XXXX XXXX they told me they would pull me credit once but i had multiple hard inquires 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
Consumer complaint received 2022-08-17 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: MN

Complaint narrative:
I went to XXXX XXXXXXXX XXXX XXXX  they told me they would pull me credit once but i had multiple hard inquires 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: VA

Complaint narrative:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00} XXXX XXXX Balance : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
I signed up for a campaign with first tech bank which requires me to deposit {$3500.00} per month to qualify for a {$500.00} bonus. While under the small fine print, it says I have to deposit {$3500.00} more than trailing 365 days average deposit, the entire website/app doesn't provide me a way to look up my average deposit amount. While I did deposit {$3500.00} per month for required months, I was later denied of my bonus as they told me that I was not qualified as I was ~ {$50.00} short due to having non-zero trailing 365 days average deposit.

Company response to consumer: Closed with monetary relief