vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: LA

Complaint narrative:
I HAVE DISPUTED WITH EQUIFAX OVER THE PAST 8 MONTHS ABOUT XXXX XXXX  CREDIT CARD AND XXXX XXXX INQURIES ON MY REPORT. I HAVE SPOKEN WITH XXXX XXXX AND THEY AGREED THAT IT WAS FRAUD AND GRACIOUSLY OUT AN FRAUD ALERT. I HAVE RELAYED THIS INFORMATION TO THE EQUIFAX AND ASKED TO THEM VERIFY THE INFORMATION TO DELETE THIS FROM MY CREDIT REPORT. THEY SAID THEY VERIFIED THIS INFORMATION BUT THAT IS NOT TRUE. I HAVE SUBMITTED MY FTC REPORT AND MY POLICE REPORT. THERE HAVE BEEN APARTMENTS, CABLE AND OTHER UTILTIES IN MY NAME. I HAVE ASKED FOR VERIFIABLE INFORMATION WITH MY SIGNATURE ON IT OR ANY OTHER ITEMS TO VALIDATE THIS IS MY ACCOUNT AS WELL AS INQUIRIES. I HAVE YET TO RECIEVE THIS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear Commissioners : On Saturday, XX/XX/XXXX, I opened a Business account for XXXX XXXX at XXXX Bank in XXXX. The Manager told me that my funds would be available on Monday XX/XX/XXXX. 
On Sunday I deposited a XXXX XXXX dollar check by ATM into my Personal Santander checking account for XXXX business day. 
Unfortunately the funds in my XXXX  accounts were not available as promised and the check was returned. I was charged XXXX dollars from XXXX and XXXX dollars from Santander. 
On XX/XX/XXXX, I wrote a new check for XXXX XXXX dollars and deposited in my Santander account for. 
I spoke to a woman in the fraud dept. explained what happed with the first check and she said everything would be fine if the XXXX XXXX dollar check cleared. 

They also impounded all my money my previously available funds and closed all transactions and did not pay my credit card due payment to XXXX or aloud me withdraw any money from their ATM. 
Someone spoke to me directly at the XXXX office by phone from fraud dept. and told me the suspected second check for XXXX dollars was also suspect for fraud even as I explained that I deposited that check personally at this branch with a teller using my debit card information on site. He went on and stated that we dont know if someone forged your signature even though bank surveillance would show that I deposited the second check for XXXX XXXX dollars personally. His implications were clear, I was under investigation for fraud if convicted or even accused of fraud, and I would lose my professional licenses. I have lost much sleep by the stress created by Santanders policies as punishment for my aggressive pursuit to right this injustice. 
On XX/XX/XXXX I again spoke to a fraud customer service XXXX and told him the entire story of the XXXX XXXX dollar check and he spoke to his XXXX and he sent a confirmation number to my phone and he said my account was free of all restriction and I thanked him. 

Later that day, I tried to long online but was denied. The next I tried to use my Debit for gasoline in my daughters car and was denied. 
On XX/XX/XXXX the fraud dept. Rep said that the XXXX dollar check review was still in process and it will be several more days to review. 
My money is being held up along with many bills that are not being paid because of my persistent follow ups with the bank and perhaps because I told them that I was going to close this forty year account for this autocratic punishment XXXX enduring. 
XX/XX/XXXX still locked account. My Santander personal loan was not paid by my account due the XXXX of XXXX. Even though I had funds available. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ma. XXXX XXXX my money so I can pay my bills and sanction the bank for purposel

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CURO Intermediate Holdings
State: NV

Complaint narrative:
ON XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Curo XXXX XXXX unlawfully obtained my consumer report without my authorization or a permissible purpose. 
I have not initiated any transaction with Curo XXXX , XXXX. Also, I do not have an account with Curo XXXX, XXXX for review or collection. 
I sent Curo XXXX 3 Notarized Letter explaining their violation of my consumer rights which included a demand for a {$1000.00} settlement on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TX

Complaint narrative:
I have supplied Transunion Credit Reporting copies of my identity. including government issued photo identification, social security card and a copy pf my police report. Additionlly, a copy of my FTC fraud report. My request has been for Transunion to complete a thorough investigation from " XXXX XXXX. In which, is a fraudulent account reporting into my credit profile. I have asked Transunion to investigate for validation method not Verification. Transunion has accepted a bill from XXXX XXXX rather then validation of my identity. Considering, I am a victim of identity theft, I have requested for XXXX XXXX to supply myself as well as Transunion copies of my social security card, contract signed by myself, photo ID. XXXX XXXX has only submitted a billing statement. Transunion continues to report fraudulent, incorrect activity into my credit profile. I would like for further investigation to be completed.

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 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
AMERICAN CORADIUS INTERNATIONAL LLC ( ACI LLC ) on behalf of XXXX XXXX XXXX  is violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX  failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX  is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and damaging me both financially and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I never received a new card for my account. The account says closed on my credit report, yet they continue to draw money from my account each month for account services. I called to request a new card for the account and continue with my account on XX/XX/2021. They complied and said that I would receive a card by XX/XX/2021. I have yet to receive my new card. I would like an answer as to what will be done as far as receiving a new card. If they are not willing to deliver a new card immediately. I would like the account permanently closed and receive a refund for the amount drawn for the following months since the card expired in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) on behalf of USAA SAVINGS BANK is violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' XXXX XXXX XXXX XXXX and USAA SAVINGS BANK failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. XXXX XXXX XXXX XXXX and USAA SAVINGS BANK is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and damaging me both financially and mentally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TX

Complaint narrative:
I have supplied Experian Credit Reporting copies of my identity. including government issued photo identification, social security card and a copy pf my police report. Additionally, a copy of my FTC fraud report. My request has been for Experian to complete a thorough investigation from " XXXX XXXX. In which, is a fraudulent account reporting into my credit profile. I have asked XXXX  to investigate for validation method not Verification. Experian has accepted a bill from XXXX XXXX rather then validation of my identity. Considering, I am a victim of identity theft, I have requested for XXXX XXXX to supply myself as well as Experian copies of my social security card, contract signed by myself, photo ID. XXXX XXXX has only submitted a billing statement. Experian continues to report fraudulent, incorrect activity into my credit profile. I would like for further investigation to be completed.

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 2021-08-25 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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:
Under Florida law a company has to be licensed in the state of Florida to collect a debt from a Florida resident. Title XXX111 Chapter 559. 553 ( See attached documents of Florida Statues ). This applies to all consumer debt collection agencies. ( It is a felony for a consumer collection agency to try to collect a debt from a Florida resident if that agency is not licensed in Florida to collect debts. Title XXX111 Chapter 559. 565 ( see attached documents ). Transunion and XXXX  are complacent in this felony by allowing XXXX XXXX XXXX to report their trade line on my credit report. XXXX XXXX is not licensed in Florida as a consumer collection agency. XXXX XXXX is engaging in a felony by trying to collect this debt from me and Transunion and XXXX  are allowing LVNV Funding to commit this fraud there by making both Transunion and XXXX  guilty of conspiracy to commit fraud. I have filed a complaint with the Florida Attorney Generals office against XXXX XXXX XXXX. I have informed them in my complaint that Transunion and XXXX  are both aware that XXXX XXXX is committing a felony and are allowing this felony to continue. XXXX XXXX XXXX does not have a legal right to collect this debt or attempt to collect this debt according to Florida law. I want Transunion and XXXX  to supply me with proof that XXXX XXXX XXXX has a legal right to collect this debt under Florida law ( I live in Florida ). Transunion and XXXX  both know that this company XXXX XXXX XXXX is currently under investigation with the SC Attorney Generals office as well as the Florida Attorney Generals office for committing fraud and violating Florida law on debt collection. Yet despite knowing all this Transunion and XXXX  are still allowing this illegal and fraudulent debt to be reported on my credit reports. Under the FCRA a credit reporting agency has to verify the accuracy of information that a company reports and has to verify the debt exist. The fact that XXXX XXXX is commiting a felony under Florida law by attempting to collect this debt make the debt an illegal debt and therefore can not be verified to be accurate. Once again Transunion and XXXX  are knowingly allowing companies to commit fraud and violate state laws.. Let this complaint serve as official notice to Transunion and XXXX  that they are violating the FCRA by not validating the authenticity and legality of this debt. I do plan to use this complaint as evidence in court when I file a lawsuit against XXXX  and Transunion.

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 2021-08-25 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: AZ

Complaint narrative:
i have disputed this account and inquires experian tells me it came back verified and haven't seen any proof of validation just there word and a computer response i have called XXXX XXXX  and they told me to talk to Original creditor XXXX XXXX XXXX i did call them and they have nothing showing i owe anything this needs to be removed ASAP experian did remove it once then sent me a letter like 60 days after they removed it saying it was getting put back on Account name XXXX XXXX Account number XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/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 2021-08-25 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: TX

Complaint narrative:
I SENT FTC REPORT ALIONG WITH BLOCK LETTERS ON XX/XX/2021 AND THE ITEMS ARE STILL ON 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 explanation
Consumer complaint received 2021-08-25 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: TX

Complaint narrative:
I SENT FTC REPORT ALIONG WITH BLOCK LETTERS ON XX/XX/2021 AND THE ITEMS ARE STILL ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Fraudulent charge of {$900.00} after being hacked. Tried resolving with Goldman Sachs since XX/XX/24 and keep charging me the {$900.00}. Keep declining the fraudulent charge claim telling me it was legit. 

Its now 120 days and they keep charging me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: OKX INC.
State: ID

Complaint narrative:
OkCoin is refusing to pay out three offers that I have completed with them. For reference, I signed up on XX/XX/XXXX and deposited {$100.00} that was used to buy XXXX XXXX. I received an email with an offer ( XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX -- XXXX & XXXX & XXXX ) that stated that if I funded my account with {$100.00}, I would receive {$10.00} in BTC by XX/XX/XXXX. I messaged their support to confirm that I had satisfied this message and they confirmed it. They have not paid me for completing this offer. 

I received another email for an offer ( XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) that stated that if I signed up for text messages by confirming the text message and then completed a trade by XXXX that I would get {$10.00} in BTC by XX/XX/XXXX. They have not paid me for completing this offer. 

I referred someone to OkCoin and they completed the Level 2 Know Your Customer check and deposited {$100.00} ( as attested to by OkCoin 's tracker ) to get {$10.00} in BTC shortly after. They have not paid me for completing this offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
i have written multiple dispute letters to the creditor stating the debt surpasses philadelphia, Pennsylvania statute of limitations guildlines of ( 4 years in pa to collect on a debt ). they have avoided the letter as in i received no response. i than sent the company a letter stating not to call me at work or home and if they persist with continuing to harrass me, i will file a complaint with the cfpb for violating the fcra and not complying with the request to not call me..after months of no response, i sent the creditor a goodwill letter in hopes to remove the debt because im currently unemployed and no way at all to pay back the debt and i still havent got a response from creditor and really need help removing this from my report because its affecting my score rapidly. If i could the balance, i would. i bought every car i ever owned from this creditor and would like to continue business together but i cant get a response to save my life.please help.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Early Warning Services, LLC
State: MD

Complaint narrative:
After being denied the ability to use my XXXX  XXXX debit card for automatic payment of my XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX had informed me that the denial was the result of a report from Early Warning. I obtain my report from Early Warning. In a phone call with Early Warning their representative denied producing any score and did not reveal what information on my report they considered derogatory. 

I did notice on my Early Warning report they reported the status of one of my accounts ( with XXXX XXXX ) as " Deceased '' in XXXX and present in XXXX even though I am still alive ( my wife who was a co-owner passed away in XXXX, but the report gave no indication of joint ownership. 

I disputed the characterization that I was deceased in XXXX via letter. They initially responded that their investigation determined that the status was accurate. I tried faxing them a letter requesting that they report to me how they verified the information, but their fax system refused to receive it. 

Today ( XX/XX/XXXX ) I received a report that they claim represents a correction of the information ; however what it appears they have done they have left in the report the allegation that I was deceased in XXXX and removed the claim I am alive in XXXX. 

Now for my XXXX bank account, Early Warning shows as the current status of the account " deceased ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
Hello, I am having a hard time dealing with this collection agency, JJ Marshall & Associates. The alleged debt was originally from a credit union. JJ Marshall & Associates claims that I owe {$270.00}, this is inaccurate and untrue. Not to mention, I never received any type of notification that I owed money, this collection just randomly showed up on my credit report. I have emailed and sent hand written letters to the executive departments of both the original creditor and JJ Marshall & Associates, neither of them can validate the exact amount they claim that I owe or the dates of any activity. I have also disputed this collection account through the credit bureaus and each time it comes back verified. It is disturbing how much damage these companies can do to a person 's financial life and yet not even blink an eye when we request information and accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation