vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: AL

Complaint narrative:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt.

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed.

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Hello, On Friday, XX/XX/2023 at about XXXX a.m. I contacted Gemini to report a potential fraudulent charge on my XXXX XXXX. Their response was to send me an email telling me that my account was now Frozen and that they would reach out for further steps. I have attempted to get into my account multiple times and attempted to contact Gemini through email and XXXX as they do not have a phone number for customer support. Since XX/XX/XXXX I have been unable to get into my account and their customer support has not issued any form of response or timeline for resolution. I had also requested a balance transfer from Gemini to XXXX XXXX where XXXX XXXX had sent the check and made the payment to my Gemini XXXX. As of today Gemini sent me an email stating that there was a problem with this payment with no further details and still no contact regarding accessing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from 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 non-monetary relief
Consumer complaint received 2023-07-20 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: MD

Complaint narrative:
XXXX reported a late payment in XX/XX/2022. In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a report without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
This is a bit of unique scenario, so I'm not sure if the selections I made were 100 % appropriate to land where we did. I am a XXXX in the XXXX XXXX XXXX. I have about XXXX Soldiers I am responsible for directly out of the Kansas XXXX, MO area. Several Soldiers are being assessed undisclosed fees by Citibank on their Government XXXX XXXX. The fees include a {$29.00} late fee ( this used to be disclosed in the past, but is no longer ) and a {$89.00} salary offset fee ( never disclosed that I could locate ). They are using the military as their collection arm for said fees. I called Citibank directly on XX/XX/23 asking for these disclosures to be provided at XXXX. I was told I would need to speak to their collections department and transferred a few times. After about a 1/2 hour wait, I disconnected the call as I was at work. I had one of my Soldiers with fees also attempt to call in this week and she advised she disconnected the call after about an hour wait. I called Citibank back yesterday, XX/XX/23, and advised I would like to file a formal complaint regarding potential XXXX ( A ) P and SCRA violations regarding their undisclosed, pyramiding, and junk fees. They took my complaint and I received a return call this morning at XXXX AM XXXX from XXXX. I shared my concerns with the representative as he seemed unprepared for the conversation and had not read the complaint I provided the previous day. Ultimately he did confirm the fees are not disclosed anywhere beyond directly in the " master contract '' with the government. He also said the {$29.00} late fee is assessed on any balance over {$1.00} ( which is insanely high ). They will also charge late fees for late fees. My Soldiers are being charged these fees directly by Citibank, using the military hierarchy in an attempt to collect them, and are not disclosing any of this to the end user. The Soldier also can not avoid harm as they are required to have a Government XXXX XXXX. 

Please note I have collection attempt emails, but they will not attach. I can forward as requested.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute an inaccurately report on my credit file. As a responsible consumer, I have always diligently managed my financial obligations, and I firmly believe that this account entry is not valid and should be removed from my credit report. I have thoroughly reviewed my records, and I can confidently state that I have never had any financial dealings or accounts with the aforementioned creditor. The entry appears to be a result of a reporting error, and I urge Equifax and XXXX to investigate this matter promptly. 
I have rights under 15USC 1681. XXXX and Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX collection companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Spring Oaks Capital were collecting on the same debt. On XX/XX/XXXX, I paid XXXX XXXX XXXX as they claimed to have owed the account since XX/XX/XXXX. Spring Oaks Capital claimed to have owned it since XX/XX/XXXX. I contacted Spring Oaks Capital and informed them another collection firm had been paid for the same debt. They requested and received a copy of the paid receipt from XXXX XXXX XXXX. Spring Oaks Capital informed me that someone from their team would reach out to XXXX XXXX XXXX to verify payment of the debt and they would then remove the collection from their files and my credit reports. Over the course of several months, numerous phone calls and emails, Spring Oaks Capital went from removing the account, to stating I never sent in documentation, to claiming XXXX XXXX XXXX is not a real company and I was the victim of fraud ( this is documented via email ). I was asked by Spring Oaks Capital to contact my bank, request a refund and then pay them. In XX/XX/XXXX, XXXX XXXX refused to do any further research and after not having reported to any credit bureaus in XXXX  years, updated ( re-aged ) the account in the credit bureaus and began sending me collection letters, emailing payment offers and calling to collect. ( This is all documented in the attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-07-20 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: FL

Complaint narrative:
these items are inaccurate and that you violated the FCRA by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

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 2023-07-20 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-20 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-20 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: MO

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.

All accounts closed or charged off or negative on my credit report are not accurate.

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 explanation
Consumer complaint received 2023-07-20 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: CA

Complaint narrative:
The consumer reporting agencies violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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.

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 2023-07-20 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: GA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 non-monetary relief
Consumer complaint received 2023-07-20 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 have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-20 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: LA

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.

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 inructions 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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax numerous times to remove an address that is incorrect on my credit report they have yet to remove it the address is XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
on XX/XX/XXXX I contacted Cash app to change my username. 
They changed my user name from XXXX to XXXX. 

I received a payroll deposit to my account on XX/XX/XXXX for {$350.00} and on XX/XX/XXXX for XXXX Cash app changed my account number and the username instead of just the username. 
In doing so i was unaware of payments or deposits because cash app rep basically created a new account. 

I have my full account number and deposit information along with pay statements. 
XXXX confirmed that the bank did not reject the payments and that it went to my account that was on my direct deposit information. 
Due to it being outside of the 5 day window they could not issue a stop payment. 

My manager contacted cash app, XXXX contacted cash app and no one knew how it happened. 

As of today Cash APP and XXXX XXXX  are holding my funds of {$790.00} and refuse to transfer it to my cash app account or mail a check. I have an email where the customer service rep says that he can't help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
A COMPANY THAT I HAVE NEVER HEARD OF LexisNexis is all of a sudden reporting information on my insurance history ( and who knows what else ). The information they reported in relation to an insurance claim is inaccurate and has caused insurance companies to not give me the best rate or to be denied. The claim was from 2019 for less than $ XXXX and they have reported almost $ XXXX. I disputed it and told them that I had a letter from the insurance co. They still are stating their findings are correct. I then had the Insurance co. email them directly to confirm what the claim was. Lexis Nexis said they will have to do another investigation! are you kidding me. I told her the email was sent to their address on the form and gave her the phone # of the insurance person, LexisNexis didn't even want to take the phone # down. 
This claim has not " popped up '' until this Co. got involved. Their records are inaccurate and I do not want them reporting anything on me. How do I OPT out so they stay out of my business. We have 3 longstanding credit reporting agencies in place for years, so why do we need these idiots???? I also tried to log on using the link that they sent me to request my " report '' and was given a PW to plug in. Guess what?? the link did not take me to a place to plug in this supposed password. This place is a joke. I have listed a review on the XXXX site as well. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I did not authorize this inquiry on my credit report and I would like removed, along with being unverified.

Company response to consumer: Closed with explanation