vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. I have sent letters to them but was never received any response from them. I felt I am being taken advantage and at the same time being ignored.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. I have sent letters to them but was never received any response from them. I felt I am being taken advantage and at the same time being ignored.

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 2023-03-28 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I initiated a transfer of XXXX from Venmo to my checking account on XX/XX/XXXX. Venmo says the transfer is complete. My bank never received it. Venmo says there is nothing they can do and they are keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
On XX/XX/2023, Clover Merchant Services, processed a credit-card payment in the amount of {$3900.00} in behalf of my business. The client was verified by Visa and the charges approved. Clover Merchant Services, refused to release the funds to my business for over 10 business days. The client could not wait any more for his product, so he demanded a full cancelation and refund to be applied to the same card. I have requested such refund from Clover and canceled the invoice. XXXX XXXX from Clover Corporate contacted me about the dispute and told me Clover was going to hold funds from my client up to 90 days for no reason, this could be considered in most instances theft, there is no reason why my client ( the victim here ) should not get his money back, no goods were delivered, and no money was ever deposited into my account by Clover. XXXX 's attitude, rudeness, discourtesy, and lack of empathy, reflect the true predatory nature of Clover 's corporate. She did nothing to help and it seem she enjoyed putting my client and my business in a dire situation. I would never do business with a company like this again. Stay far away from Clover Merchant Services.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: January Technologies, Inc
State: MN

Complaint narrative:
I recently checked my credit report to find out i had a collection in my name. I called the number on the report. I was told that in XXXX of 2022 a credit card was opened in my name used and than no payments where made. I responded i didnt have a XXXX account and it wasn't me. I was told to report as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank refuses to let me get my money out of my account my account is due to close I'm just getting the runaround from the fraud department being told that I couldn't get my money that I would have to wait for a cashier 's check which I shouldn't have to I should be able to walk in and withdraw my money out of my account and let them close my account but instead they are giving me the runaround holding my money without legitimate reason I should be able to pick my funds up I don't understand why I'm getting the runaround from this Bank firstly I don't like dealing with checks I would like to get my money just as I put it in I would like to get it out this is why I am filing this complaint against 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 explanation
Consumer complaint received 2023-03-28 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: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
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  All of these companies have ran my credit profile, not of my knowledge. I have been a victim of fraud, and I did not consent or apply for anything with any of these companies. I have not had any service done by none of these companies. I have never called or applied with any of these companies. I believe it was fraudulent activity not knowing of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I received a letter from IQ Data International in which the deadline to respond to was XX/XX/XXXX. I responded by XX/XX/XXXX by disputing the debt due to the amount being incorrect. I then requested the following from IQ Data International : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Texas ; 5. proof of the last payment made on the account. 

I received none of this information. No verification of the debt has been made. 

The only thing I have received was a major derogatory mark on my credit report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: MD

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$630.00}

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 explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. I have sent letters to them but was never received any response from them. I felt I am being taken advantage and at the same time being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Mine isn't about calls but I didn't have an option to chose that worked. I have debt that is owned my multiple companies at once. XXXX XXXX sold my debt to LVNV once they were asked to verify the debt. Now I have the debt showing its owed to 2 companies at once. It was also the same with a company called the Bureaus. I had a lawyer contact both XXXX  and Lvnv and it stopped for a while. Now I am getting letters from Resurgent saying I owe the same debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe someone is using my credit file. I've been unable to access my credit file nor my credit score. I've been experiencing this issue for quite some time now ( almost 8 months ). I've tried myself to contact all three credit bureaus and all have informed me that they can't access my file using the identity measures they have in place. I am very concerned and need this problem resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CT

Complaint narrative:
on XXXX I filed a complaint with the cfpb. BNY Mellon lied in it's reply to myself and this agency and stated it was a duplicate complaint and closed the case. In fact new documents that came out AFTER the original complaint were provided in the XX/XX/2023 complaint. 


It is in fact not a duplicate. BNY Mellon and XXXX XXXX are engaging in fraud. They have in fact, repeatedly denied owning the loan while XXXX XXXX repeatedly states that BNY " OWNS '' the loan. 

Both companies use this exact language. 


BNY Mellon is listed as foreclosing on our property but claim in correspondence they do not own the loan OR the property. 

We have also repeatedly requested the loan owner, investor or creditors name, phone and address from both BNY Mellon and XXXX XXXX and both companies refuse to provide the information which is a violation of TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OLIPHANT FINANCIAL, LLC
State: SC

Complaint narrative:
Oliphant Collection Agency placed a collection account on my credit that was opened through XXXX XXXX. I have tried repeatedly to get in contact with someone to get the issue resolved. I was able to finally reach someone at XXXX XXXX and they confirmed that the social security number and birth date was incorrect but transferred me to different departments that kept transferring me to different departments. I have my social security card and drivers license to prove that these accounts does not belong to me. What's strange is that the collection agency placed it on my credit not XXXX XXXX. I tried calling Oliphant Collection Agency repeatedly and no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: KS

Complaint narrative:
A debt collector IC Systems of Kansas went through a law office garnished my wages for XXXX. The law office reiieved check on XXXX from USD XXXX ( my employer ) and sent the check onto IC Systems of Kansas who received it on XX/XX/XXXX. I was told on XX/XX/XXXX that the funds had to be held by IC Systems of Kansas for XXXX weeks to confirm debt was paid which 2 weeks from the XX/XX/XXXX was XX/XX/XXXX. When calling back to ask when to expect my check IC Systems told me 2 more weeks which is XX/XX/XXXX. Calling today to IC systems to see where my check for XXXX is they claim to have sent it to the state of Kansas. Called state of kansas which stated they received payment from IC Systems for only XXXX. This is not right. Where is my money that is owed to me. I feel like I have waited a reasonable amount of time. This debtt collector has held my money and is not returning what is owed to me. As of XX/XX/XXXX I have not received the XXXX they promised to refund me for money collected on a debt that was paid in full. IC Systems can tell me the file is closed and the debt is paid but cant find my money.

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