vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC
State: LA

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
My. Children buy me gift cards. I was save to buy an XXXX. When I went to XXXX, three of the gift cards were empty. All of them visa gift cards. The XXXX was no problem. After being embarrassed, when I returned home, I called the number on the cards. To say they were less than helpful would be an exaggeration. They expressed no interest in assisting me. One of the gift cards had been used in California. I live in Florida. So I went in line, did evthst was asked if me, submitted. The first email asks for copies front and back of cards. Another two weeks. Then they said they can7help unless I give them a copy of the receipt. Once again, I tell them it was a gift. One was {$100.00}, one was {$50.00} and the last one was {$100.00}. Something has to be done about this. I have written to XXXX not interested. Enter business bureau, no response. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: FL

Complaint narrative:
A company named " XXXX '' is the payment servicer for the US Department of Education. On XX/XX/XXXX, XXXX cashed my full {$7700.00} student loan payment. United States postal service sent me a copy of the signed delivery confirmation upon delivery to the XXXX payment center located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As of today, XXXX, the financial payment service for the United States Department of Education claims my student loan payment is " unable to be located. '' I have shared the original copy of the XXXX employee 's signature on the delivery confirmation and the XXXX employee 's signature on the payment receipt for cashing my {$7700.00} payment. It is shameful that XXXX is illegally reporting student loans as outdated collections on credit reports after cashing customers ' checks for nearly XXXX XXXX dollars. After cashing my student payment of {$7700.00} XXXX refuses to correct my credit file to report the status as " paid in full. '' Per the police department 's advice, since the payment is signed for and cashed by a XXXX employee, I filed a police report with the XXXX XXXX Police Department. A copy of the XXXX XXXX Police report to XXXX, the US Department of Education, and the credit reporting agencies on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

1 ) Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX DEPT OF ED US DEPARTMENT OF E XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX DEPT OF ED US DEPARTMENT OF E XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX these accounts have 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 2022-11-09 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: Self Financial Inc.
State: CA

Complaint narrative:
I am reporting all accounts on my credit report that are inaccurate I have no acknowledgment of these accounts I reported this several times and the credit companies still arent removing this off my of my report causing My credit score to be low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: LA

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In my previous complaint with this company, they stated the inquiry that is reporting on my consumer report will be deleted as they determined it was not authorized by me. XXXX has failed to communicate with the reporting agencies to have this inquiry deleted as they said they would. I am demanding the deletion of this inquiry as it dropping my credit score and injuring me financially.

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 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XXXX, a fraudulent Square account was set up in my name. This business then charged almost {$10000.00} to a fraudulent credit XXXX XXXX Credit card also set up in my name -- - for " Intensive Therapy. '' [ A fraudulent business set up in my name at my home address, billed me on invoice # XXXX, for a credit card opened the day before, for one session of therapy totaling close to $ XXXX at my home address. In an of itself, this should have been thrown out ] The invoice is fraud, the account is fraud, and the charges are fraud. However, XXXX XXXX XXXX XXXX will not allow me to dispute the transactions because Square claims the business is mine. I have tried to resolve the issue with Square -- but they have zero customer service. I get a canned response. They claim they need the articles of incorporation for the business to discuss it with me. I have no access to the articles of incorporation in a fraudulent business. I can not get anyone from Square to work with me or provide the appropriate documentation and now am being charged by the credit card company because of Square 's incompetence, it's failure to protect its customers, and its violation of XXXX XXXX of Rights. 

I have provided them with information that my identity had been stolen ( through my mortgage lender breach - letter attached ), a copy of a police report ( attached that showed my home address was changed, and I was a victim of identity theft ), and provided all relevant information, as well a fake business receipt which looks like a XXXX XXXX XXXX developed it. Still, I am on the hook for this money and have received zero help or support from Square. I can not even get someone to talk to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Kikoff Inc.
State: CA

Complaint narrative:
I am reporting all accounts on my credit report that are inaccurate I have no acknowledgment of these accounts I reported this several times and the credit companies still arent removing this off my of my report causing My credit score to be low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 


XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX these accounts have violated my rights. 



XXXX5 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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 


XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XXXX XXXX, XXXX DEPT OF ED US DEPARTMENT OF E XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX these accounts have 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 2022-11-09 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX # XXXX, Account name : XXXX  # XXXX, Account name : 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.

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 2022-11-09 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: Self Financial Inc.
State: CA

Complaint narrative:
I am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Kikoff Inc.
State: CA

Complaint narrative:
I am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I currently have a federal Perkins loan which was taken out with my XXXX university, and currently serviced by XXXX XXXX XXXX XXXX XXXX XXXX ( Heartland/ESCI ). 

The current balance on the loan is {$3000.00} as of XXXX XXXX, 2022. 

I enrolled in auto-payments with the company several months ago ( I can not find in my records when, but I believe it was in XXXX ) and subsequently received email notifications monthly that my payments had been continuously taken from my account. 

I never received a notification that any error had occurred or that a payment was not processed. 

Tonight, on XXXX XXXX I received an unsolicited telephone call from a representative did not identify themselves as being from Heartland ESCI, only that they were calling in reference to a loan with XXXX XXXX  ( the above referenced university ). 

After asking " whether this was a good time, '' and I indicating it was not because I was working, he proceeded to tell me this was a " courtesy call '' about my " past due account. '' Inadvertently Heartland/ESCI had continually failed to withdraw money from my account ( either because the information was entered improperly or because the bank account associated with it was closed. ) but never indicated money had not been withdrawn to cover the account balance. 

This practice has gone on for at least three months entirely without my knowledge. Heartland/ESCI made no attempt to contact me regarding failed or missed payments, and misrepresented that payments were being withdrawn from an account. 

On XXXX XXXX, 2022 I made a {$110.00} payment to Heartland/ESCI which was apparently inclusive of debit card processing fees and {$10.00} in fees charged for missed payments. 

Rather than alert me to the fact that my payments were not being processed, Heartland/ESCI decided to wait until I had amassed several payments and alert me to pay them at once.

I also am unable to navigate Heartland/ESCI 's website to find out which account is currently linked to my auto-pay. Their client-side web browser is clearly designed to confuse and obfuscate information to make repayment as difficult as possible, and any financial records with the servicer are not easily obtained. 

This debt collection practice is patently unfair, and likely violates both federal law, as well as contractual obligations Heartland/ESCI has to fairly collection minimum payments from borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2022, at my direction, the IRA custodian, XXXX XXXX XXXX, initiated a wire to to Chase Bank to make an investment. I provided the correct routing number, but the account number was copied from a Chase cashiers ' check, so was incorrect. The funds were sent and received by Chase and held in an account they own. 

When the error was discovered a few days later, XXXX, the sending bank, asked Chase to reject or recall the wire. XXXX reached out again and made this request. Chase has not responded XXXX it's been over a month. I contacted Chase directly and they said as an individual, I did not have standing to make the request, it had to come from the sending institution. 

The amount sent was {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: OneMain Finance Corporation
State: PA

Complaint narrative:
They refused to remove the items that I didnt Authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M&T BANK CORPORATION
State: MT

Complaint narrative:
Company : M & T Bank Date : Week of XX/XX/2022 Amount : ~ {$1000.00} Action : I have spent hours on the phone with M & T Bank trying to transfer funds to complete a bank to bank transfer. Their customer service is terrible and I do not recommend banking with M & T. 

At first they did not know why my bank to bank transfer wasn't going through on my online account. Then they told me information was not matching up, but they didn't know why because my account numbers were. I suggested it may be because my middle initial was not present in the M & T account ; they agreed this could be the issue but refused to add my middle initial to solve the problem. I called my other bank receiving the transfer, and they changed my middle initial immediately to match up with M & T. Then, I tried logging into my M & T account ( as their staff instructed me to do ) and I was locked out of my account for " security reasons '' despite inputting correct credentials. 

Throughout this process, I have had to provide security codes over and over to log in to check if the transfer would go through. I've been on hold for several hours ( over 30 minutes and waiting with a current call ). M & T service is terrible and I am concerned they are not allowing me to transfer funds since I told them I would be closing my account afterwards ( after moving to a different state ). I have followed all their instructions and they have put up every roadblock they could along the way.

Company response to consumer: Closed with explanation