vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 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: MS

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. 

Account name : # XXXX has violated my rights. 

Account name : # XXXX has violated my rights. 

Account name : # XXXX has violated my rights. 

- [ ] 15 U.S.C 1681 section 602 A. States I have rights to privacy.

- [ ] 15 U.S.C 1681 Sextion 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions - [ ] 15 U.S.C 1681c. ( a ) ( 5 ) Secrion 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 non-monetary relief
Consumer complaint received 2023-05-07 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: MO

Complaint narrative:
THIS COMPANY IS NOT A DUPLICATE. At this point XXXX you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. 

XXXX & TRANSUNION NOTE, if XXXX  can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. 

YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.

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 2023-05-07 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:
THIS COMPANY IS NOT A DUPLICATE. At this point XXXX you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. 

EQUIFAX & XXXX NOTE, if XXXX  can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. 

YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CT

Complaint narrative:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT AFNI , INC . 
Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$78.00} Balance updated XXXX XXXX, XXXX  Original balance {$78.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$78.00} past due as of XXXX XXXX. 
Status updated XX/XX/2023 Contact info Name AFNI , INC . 
Address po box XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
I spoke to the creditors in regards to the debt and disputed it with them nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: FL

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. According to the FCRA and Metro 2 compliance reporting standards information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: FL

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. According to the FCRA and Metro 2 compliance reporting standards information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent off certified mail letters requesting the credit bureaus to " investigate every piece of information '' on the accounts that I have listed below. I have also attached the actual letters sent out along with the tracking numbers : Actual letter sent : To whom this may concern, Your company said, I allegedly owe you money. I am willing to " Pay '' under the conditions that you are able to provide the following three pieces of information to legally verify this +debt as being % accurate : 1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed invoice.

3. A copy of the signed contract binding both parties ( you and I ), and a letter by " certified mail '' so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX List of Accounts : XXXX To EQUIFAX bureau re : creditor- XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX XXXX. To XXXX XXXX Equifax Credit Bureaus : Noted errors-XXXX  date opened showing : XX/XX/XXXX/ Equifax date opened being reported as : XX/XX/XXXX. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both parties representing the same debt ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX. To XXXX XXXX Equifax Credit Reporting Bureaus Re : Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX Acct # XXXX Tracking # XXXX XXXX. To XXXX Credit Bureau Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Credit Bureaus Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX According to the FRCA The term " investigation of 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 neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted, or wo may have knowledge concerning any such items of information.

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent off certified mail letters requesting the credit bureaus to " investigate every piece of information '' on the accounts that I have listed below. I have also attached the actual letters sent out along with the tracking numbers : Actual letter sent : To whom this may concern, Your company said, I allegedly owe you money. I am willing to " Pay '' under the conditions that you are able to provide the following three pieces of information to legally verify this +debt as being % accurate : 1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed invoice.

3. A copy of the signed contract binding both parties ( you and I ), and a letter by " certified mail '' so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX List of Accounts : XXXX To XXXX bureau re : creditor- XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Tracking # XXXX XXXX. To XXXX XXXX XXXX Credit Bureaus : Noted errors-XXXX  date opened showing : XX/XX/XXXX/ XXXX date opened being reported as : XX/XX/XXXX. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both parties representing the same debt ) Original Creditor : 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  Tracking # XXXX XXXX. To XXXX XXXX XXXX Credit Reporting Bureaus Re : Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX Acct # XXXX Tracking # XXXX XXXX. To XXXX Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Acct # XXXX Original Creditor- XXXX XXXX XXXX XXXX XXXX XXXX. To XXXX XXXX XXXX Credit Bureaus Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX According to the FRCA The term " investigation of 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 neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted, or wo may have knowledge concerning any such items of information.

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate.

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 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
When I moved into XXXX XXXX XXXX in XX/XX/XXXX, It was stated in my lease agreement that under the rent amount, it covered various things such as INTERNET ACCESS. XXXX told me to call XXXX XXXX and set up a time for them to come and set up the router and equipment. When I called, they said that it is covered by my complex but I can opt in for extra things that would be up to me to pay for such as higher speed internet, but I did opt out of those. Going into my next lease for XX/XX/XXXX, XXXX included in emails that they would be switching providers from XXXX to XXXX. XXXX collected their router from my apartment because it is not in the laundry room anymore, now we have XXXX. Beginning shortly after we discharged XXXX, I began receiving bombarding calls and letters from them stating that I have a pending bill to pay. This is incorrect because I never opted for anything extra and we dont use that provider anymore. My complex advised me to just ignore them were handling it, so I did just that. After a couple more months, my credit score tanked more than 40 points. I called the debt agency and made a dispute but XXXX has since rejected it. I called my complex and they again said they were handling it. It has been a month and my credit score has sunk another 90 POINTS. This is an incorrect fraudulent fee from a company and I closed my account MULTIPLE times but they did not end up closing the XXXX account for me. My credit went from above 760 to almost 650

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: IA

Complaint narrative:
I have already submitted a complaint with both XXXX and XXXX  stating that my XXXX XXXX XXXX XXXX Account # XXXX which was an Auto Loan that I had paid off in full and closed was reporting incorrectly. EXPERIAN states that I was 30 days late on XXXX or XX/XX/2019 and XXXX shows I was 30 days late on XXXX or XX/XX/2019 and XXXX is reporting CORRECTLY & shows NO late payments. So both EXPERIAN & XXXX are stating false information twice, XXXXne that it was 30 days late, and two they are both showing a different month or time in which they are reporting it being late. They have also now violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors by not doing a fair and accurate investigation to show accurate reporting and have this false information removed.

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 2023-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
I have internationally transferred {$420.00} through Ria Money Transfer on XX/XX/2023. However, the money is still ( XX/XX/2023 ) not deposited into beneficiary account though its delivery is promised no later than XX/XX/2023. I have contacted multiple times in this regard with Ria electronically and over phone but not resolved yet. Besides the respective representative is not interested in providing satisfactory answer for its delay or holdup though submitted all requested paper. I therefore decided yo bring this matter into the attention of CFBC. Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: CT

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE LISTED BELOW ARE 2 INQUIRIES XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Banks and XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted Equifax and XXXX XXXX reporting agencies in reference to inaccurate account balances on my credit report. I have done a thorough research myself and I have discovered that Equifax and XXXX did update the accounts showing updated payment dates, but inaccurate account balances. I have disputed several times in this matter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine and Weiner who supposedly is representing XXXX is stating that I owe them {$270.00}. 

I do not owe XXXX or Caine and Weiner {$270.00}. 

Caine and Weiner has failed to produce the date and account number associated with this bill. 

I have disputed this bill 4 times in writing and online. 

A letter was sent to Caine and Weiner about a year ago asking them to cease and desist, but they continue to hurt my score. Now there is something new on my account for XX/XX/XXXX. 

Dates I disputed this bill by letter and/or online : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While applying for a credit card on Saturday, XX/XX/XXXX, I asked how to build my credit. I was told that the dispute was on my credit and it was also affecting my score. How do I rectify this?

Company response to consumer: Closed with explanation