vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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 XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I, consumer, natural person, living woman was discriminated against by Goldman Sachs when I applied for an Apple Card. 

On XX/XX/2022, a consumer credit transaction occurred the moment I filled out a CREDIT application NOT a LOAN application. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). In addition, when you, Goldman Sachs, accepted my application you also accepted fiduciary responsibility. 

Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from Goldman Sachs, the unauthorized use of my credit card, and I did not receive ANY BENEFIT from this transaction 15 USC 1602 ( p ). My consumer report was negatively impacted proving the transaction did in fact go through. 

Best Regards, XXXX : XXXX [ XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NJ

Complaint narrative:
Hello, ALL credit bureaus, despite constant correspondence are still refusing and maintaining old information as current. There is misinformation that is 10 or more years old that is still on ALL of my reports. There are closed, XXXX and false accounts still on my reports, PLUS there are many unauthorized hard inquiries that ALL three credit bureaus refuse to remove! 
There are multiple accounts which were NEVER my own due to identity theft which ALL three credit bureaus REFUSE to remove! 

ALL mentioned must be REMOVED immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Truemper, Titiner & brouch Ltd
State: IL

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX and filled out a credit card application. I was given a credit card, however I never entered into a contract with XXXX XXXX XXXX XXXX because I only filled out a credit card application. There were never any terms of an agreement, payment schedule, or annual percentage rate disclosed to me as required under the Truth In Lending Act. There was never a contract signed by me agreeing to any terms. XXXX XXXX XXXX of Truemper, Titiner & Brouch , Ltd filed a complaint on XX/XX/XXXX alleging there was credit card agreement that said I agreed to paying interest in the amount of XXXX XXXX, paying late payments, court costs, and reasonable attorney fees, but there was no agreement given to me that was signed stating I agreed to the terms. On XX/XX/XXXX, XXXX XXXX XXXX of Truemper, Titiner & Brouch filed a citation to discover assets which was unfair and deceptive because there was never any evidence presented stating I agreed to the alleged terms stated in the complaint. XXXX XXXX XXXX of Truemper, Titiner & Brouch engaged in unfair and deceptive debt collection practices by filing a complaint and then issuing a citation to discover assets which has had me going to court for over a XXXX. XXXX XXXX also called me on at least XXXX occasions and used abusive language and hung up on me when he didn't like my answers.This is unfair because XXXX XXXX XXXX XXXX violated XXXX and engaged in deceptive practices by leading me to believe I was filling out a credit card card application, when in fact they were using that application to get credit on my behalf which is also identity theft because this was never disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Hello, its been Two weeks since Ive been able to access my account, they said in the beginning it will take a week to withhold my funds because they wanted me to send my ID in. So I did, at that time, they told me to call back on a Monday ( it was Friday ), so I did. They said call back next week. So then I asked about the funds in my account, they couldnt tell me. I hope this gets resolved quickly. USAA is a bad company. They told me to keep calling everyday and nobody is helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Notice and Demand to Cease and Desist ALL Collection Activities Prior to Validation of Purported Debt. 

Re : XXXX XXXX and XXXX My identity has been stolen, you are hereby put on notice. 

Aggravated Identity Theft pursuant to 18 U.S.C. $ XXXX, FRAUD AND IDENTITY THEFT! 

NO CONSENT by definition is what? 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A Company shall block information within 4 business days after the date of receipt.

Privity of contract : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties. Defamation of character, violation of Fair Credit Reporting Act ( CFRA ), CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, intentional act of fraud and GROSS MISREPRESENTATION.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX are attorneys are attempting to collect a debt on the basis of fraud. 

They are in multiple violations of federal Fair Debt Collection Practices Acts ( FDCPA ) and FRAUD.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. FTC Fraud report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery you are in violation of my rights and the law USC 1692 { b ] and 15 USC1602 { l } remove all accounts from my credit report s under the law you have violated my rights and these accounts are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NV

Complaint narrative:
Around XX/XX/2022 I was contacted by The Bureaus, Inc. about a debt that they were trying to collect on. I was given until XXXX, XXXX, 2022 to respond. I responded on XX/XX/2022 ( certified, return receipt ) stating that I do not know or recognize your company and I believe that I do not owe this debt. As of XXXX XXXX The Bureaus , Inc. has failed to respond and is reporting on major credit bureaus. This should be removed based on the fact that they did not validate or verify debt owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Comenity Bank/ Comenity XXXX XXXX XXXX XXXX OH XXXX, phone XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, issued a credit card using my personal information without my solicitation or application. I have never received any information from this company about this credit card. My first contact with this company was XXXX. 

The amount charged to this unauthorized credit card was {$3900.00}. I have called this company to report this fraudulent card on several occasions to rectify the fraud. My last phone call with this company was on XXXX and I was given the ID # XXXX for this case. It is now 90 days later and nothing has been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: OH

Complaint narrative:
We have owned our home for 27 years and are now getting divorced and need to sell the house. Selene Finance LP of XXXX purchased the mortgage from XXXXXXXX XXXX years ago and has never been helpful or responsive. I have engaged a realtor and we know we may have to go with a short sell. Note that the house is beautiful and in a great neighborhood in an eastern suburb of XXXX. The roof will need replacement and some other minor fixes due to water damage. We are also behind in payments as I am now on SSD due to XXXX and another health issue... but we made we saved the house from foreclosure for all those years and when I commuted to XXXX to work for XXXX XXXX. 

Per Selene 's directions, I have advised them of intent to sell and likely short sale on a three-way conference call with their reps and my realtor. I then completed their 10-page form to transfer authorization BY FAX. That was more than 6 weeks ago and after more than two dozen phone calls, I was informed the authorization was approved and I was going to receive the necessary document BY MAIL. Now 3-4 weeks later, no document plus interest rates went up, undoubtedly hampering our profit potential ( and Selene 's for that matter ). 

I call daily and deal with incompetence. When promised that a Supervisor will call me, no one ever does. I am filing this complaint with the CFPB and will now also contact the XXXX, my county commissioner and my state senator. 

I am hoping you can help me and my family as we've gone through much in recent years and need to resolve all this. I am a responsible professional ( semi-retired now and consulting, and also a XXXX XXXX  ), father of XXXX XXXX daughters and politically active in local issues. 

Please contact me at XXXX or at XXXX. 

Thank you in advance for your anticipated help, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: IA

Complaint narrative:
I have contacted The credit reporting agencies to explain that Im a victim of identity theft. Ive added Fraud alerts. Ive mad many complaints about third part debt collection that is on my account they should be removed and they continue to knowing keep it on my report. Ive been violated. They have removed 2 accounts and have left the rest. Ive brought this to their attention and they to be negligent in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I sent {$50.00} to XXXX XXXX XXXX via PayPal to purchase an event ticket. He said he would transfer the ticket to me but did not. I filed a case with PayPal who said money transfers to " family and friends '' are not covered by their buyer protection. I was not aware of that, and did not see another option for making that payment. The seller 's contact info is XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 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:
In accordance with the Fair Credit Reporting act XXXX Experian Account 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. 

XXXX5 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I can not login into my account, I cant access my points rewards page. It shows I have XXXX points when it should show XXXX or more. This GARBAGE company blames it on a software update from 5 MONTHS ago. When are you actually going to step up and do something!?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I have repeatedly had fraud issues with this card. And, I have had identity theft issues. I have had this card for several years and requested that I get my invoices electronically. The card has a maximum limit of {$300.00}. I had set up to have my balance paid monthly. 

On XXXX XXXX, 2022, I called into the company inquiring about a payment from my checking account of {$290.00} ( remember the limit is {$300.00} ). I called in because I couldn't remember having spent almost {$300.00} with this card, I was told that my mailing address been changed to an apartment in XXXX, TX. I explained I have never lived there and I did not request a change of address. Concerned about almost {$300.00} in charges I could not remember I requested copies of my statements. With the unauthorized change of address I could not access my statements on line. On XXXX XXXX, 2022 I received several months of statements and discovered 12 unauthorized transactions prior to that month 's cut-off totaling {$290.00}, all made in XXXX, TX at a XXXX XXXX Store or XXXX and a XXXX in XXXX, TX. I registered my dispute over the phone. I sent a letter dated XXXX XXXX, 2022 by US Mail stating the facts and have never received an acknowledgement. 

I never got any paperwork from the bank. In the past when I have had disputes, every other bank has issued a provisional credit during the investigation period and required an affidavit as to the facts. Not this company. 

I have called back repeatedly to inquire. I was told the bank does not have a fraud department. On one of these calls, at XXXX XXXX, XX/XX/2022, I spoke with XXXX who identified himself as a Supervisor ( asked for by me ) I was told that my mailing address had been changed to an address in XXXX, MS. by a caller. I requested they put a hold on my account and investigate the fraudulent charges. I was told that I had to send a request to change my mailing address back to my real address with a copy of my Oklahoma DL and mail or fax it to them. On XX/XX/2022, I both mailed and faxed my change of address with DL to the Company. 

At present I have no confidence in this company and without a fraud department I don't know why they should be allowed to do business. I have been charged +- {$450.00} for charges I did not made. I want to get this money and then I want to cancel this credit card. This company is a nightmare to deal with. As of this writing, I have still not received any acknowledgements. 

I have not personally used this card since XXXX, 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Notice and Demand to Cease and Desist ALL Collection Activities Prior to Validation of Purported Debt. My identity has been stolen, you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. 

Privity of contract : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties. Defamation of character, violation of Fair Credit Reporting Act ( CFRA ), CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, intentional act of fraud and GROSS MISREPRESENTATION. Misrepresentation of a material fact. Fraud, deliberate concealment of material information, fraud is a felony. XXXX XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES! 

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
See attached. Experian is reporting inaccurate information compared to the other consumer reporting agency. I have a the right to privacy according to law. Permissable purpose, I also did not give this company written instruction to furnish. Remove immediately.

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