vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ) .EXPERIAN IS IN VIOLATION OF THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EXPERIAN MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO EXPERIAN TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES AND PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S CREDIT Report Number XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANSACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.

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 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
You have not proven in accordance with the laws of the State of Pennsylvania, specifically12 PA Cons Stat 6254, as well as State XXXX and XXXX statutes, a deficiency claim can not be valid unless all required notices were DULY provided in a proper and TIMELY manner. 
Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. The burden of proof of delivery or service can not be determined therefore the alleged deficiency claim is null and void. Further, you have failed to provide traceable evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 
Your company is well known for its predatory behavior and unsavory business practices, as clearly shown in the lawsuit CONSUMER FINANCIAL PROTECTION BUREAU AND THE PEOPLE OF THE STATE OF NEW YORK, V. CREDIT ACCEPTANCE, CASE NO. XXXX XXXX, XXXX. " Credit Acceptance profits even when borrowers are unable to pay their loans in full by using aggressive debt collection methods. As a result of Credit Acceptances practices, customers faced late fees, repossessions, auctions, post-repossession collection efforts, lawsuits, and ruined credit profiles ''. You have maliciously and intentionally reported several inaccuracies violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
You are inaccurately reporting to the credit bureaus the deficiency balance as past due and fraudulently accruing and reporting interest on the loan that is closed. The terms of the loan were accelerated after the sale of the vehicle therefore you can not report a monthly past due balance of OVER_120_DAYS_PAST_DUE nor continue to accrue interest as there is no longer monthly terms. This is a clear violation of ( FCRA ). Your retaliatory actions are a clear violation of15 U.S.C. 168 & 18 USC 894. You are further in violation of Section 623 ( a ) ( 1 ) ( B ) since you have failed to provide ALL legal documentation. I demand this account be deleted.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
This account was a charge off. last payment was XXXXthen went into charge off. 
in XXXX since then, the account has been repeatedly updated as charge off ever month. 
for 40 months. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. 
my rights. this was a voluntary surrender of car. and you didnt close account till XXXX when it should of benen closed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I purchased goods using my cashapp account. The goods were not as expected. I requested a return per the company 's policy, via email. I was given an address to send the items back for refund. The company ( XXXX XXXX XXXX XXXX tried to tell me they wanted to give me a credit towards another purchase. I refused and stood my ground asking for a refund. The company told me to send the items. In the email, I asked them to clarify that I would get a refund, to which they then agreed stating " We will refund you! '' I sent the items to the address XXXX was given, and provided the company with the tracking number. I paid to ship the items on XX/XX/2024 and usps confirmed delivery of the return on XX/XX/2024. 

I followed up multiple times to ask when the refund would be issued. I have yet to recieve a follow up with that that information. 

I then disputed the transaction 2ltwice with cashapp and it has been denied rwice stating the PURCHASE was not in error. I provided both screenshots of the company agreeing to a refund as well as the tracking number and dates. 

I believe this is fraud fro. A XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive made several attempts to Experian credit reporting agency who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. A lot of this reporting is my private business which Experian has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services. 

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. Experian is in violation of the following : 1. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: AK

Complaint narrative:
On XX/XX/2023 ( Sunday ) we vacated our apartment and left a letter with keys in office with reception. Credit report shows that IQ Data reported collection on XX/XX/2023 exactly 9 business days after we moved. There has been NO attempt at contact from the landlord ( XXXX XXXX ) or IQ Data. No documentation has been received from anyone. The problem is due process seems to have been violated and whatever specific laws allowing for timely attempts to contact myself. i was never given an opportunity to resolve from initial holder. 

This company violated the No Packing Rule. Additionally, the, " 30 day Collection Cease and Desist ( 13 disclosures ). 

This item needs to be removed from my credit report based on lack of timely reporting, contact and specific laws forbidding improper timely reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Requested TransUnion to reinvestigate XXXX XXXX XXXX # XXXX which per the response was validated as Accurate. Transunion did not provide a description of the procedure used to determine the accuracy and completeness of the information. 
The Results were the same from the investigation of XX/XX/XXXX and XX/XX/XXXX however Tram Union indicated it has been updated Rating/ Payment received. 
1. Transunion report XXXX XXXX # XXXX Origination date Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. Transunion report XXXX XXXX # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. Transunion report XXXX XXXX # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. Trans Union report indicates payments were made in XXXX. 
TransUnion shows XXXX XXXX # XXXX were charged off after the statue of limitation had expired. Trans Union shows the re -aging of accounts by XXXX XXXX XXXX XXXX when the Last Payment Made was in XXXX. 
Prior to the Spin-Off ( XXXX ), all XXXX XXXX XXXX XXXX were originated and initially held by XXXX XXXXXXXX XXXX XXXX as a subsidiary of legacy XXXX XXXX XXXXXXXX XXXX typically then sold certain of the performing XXXX XXXX XXXX XXXX to an affiliate of legacy XXXX for securitization. Additionally, on a monthly basis XXXX XXXX XXXX  sold all loans that were over 90 days past due, in forbearance, restructured or involved in a bankruptcy to an affiliate of legacy XXXX. 
XXXX XXXXXXXX collected XXXX XXXX XXXX XXXX pursuant to policies that required loans be charged off after 212 days of delinquency. In XX/XX/XXXX, XXXX XXXX XXXX began collecting the vast majority of its XXXXXXXX XXXX XXXX XXXX pursuant to policies that required loans be charged off after 120 days of delinquency, in accordance with bank regulatory guidance. For the reasons described above, a portion of XXXX XXXX XXXX historical performance data does not reflect current collections and charge off

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite several attempts, I am unable to dispute anything online. In order to dispute online, I was told I needed to pay. However, I have upgraded my plan and still nothing has happened. My identity has already been confirmed by a number of documents. I would appreciate it if you fixed this. 

I don't understand why I am being forced to pay in order to dispute something. It doesn't seem fair. I hope you are able to resolve this issue soon.

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 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
Law Offices of Hayt , Hayt & Landau , LLC violated numerous of provisions under the Fair Debt Collection Practices Act in their attempt to collect an alleged debt owed to a national bank from me as a consumer. In good faith I'm extending an pre settlement offer to reduce fees and avoid having to further exercise my consumer rights under the Law in federal court. See attached " pre settlement offer letter '' and " draft complaint '' I intend to proceed with if no settlement is reached in good faith within 7 days upon receipt of notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ) .EQUIFAX IS IN VIOLATION OF THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO EQUIFAX TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES ADN PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S CREDIT FILE NUMBER XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANSACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: OPT-OUT SERVICES, LLC
State: CO

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX. 

Years ago I had my identity stolen and used to open debt. It has taken me years of action to separate myself from this individual. I have registered police reports and ID theft cases with the FTC. In XX/XX/year>, I started receiving credit card offers that mixed my personal information with that of the individual who stole my identity. I reached out to the XXXX and XXXX departments of the companies who were supplying the credit card offers. They informed me that indeed my personal information was being mixed with this individual. Offers have gone out to both parties with incorrect information. I was informed that the information they received as a basis for issuing credit card offers was coming from XXXX XXXX services noted above. They also recommended contacting the major credit agencies to check my credit reports. I took action and contacted the 3 main credit bureaus ( XXXX, XXXX and XXXX ). All confirmed that I had credit freezes in place, as well as fraud alerts, and no information from the individual who stole my identity was contained in any of their credit reports. I further put a fraud alert with XXXX. All acknowledged that they supply XXXX XXXX XXXX with data, but all denied mixing information between parties. 

I have tried to reach XXXX XXXX XXXX through their phone number XXXX. However, it is not possible to reach a person. All calls are to automated menus and the only correspondence I can get from them is a 'opt out " form template. There is no way to reach someone to correct the issues of mixed PI information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I am a XXXX XXXX XXXX XXXX  who has recently been harrassed for a financial issue I did not create. I am powerless to stop it, and my excellent credit is now going down. 

It began in the XXXX XXXX XXXX. 
XXXX XXXX sent a plumber out without me asking. I use XXXX for my AC maintenance so I trusted him. The plumbing salesman sold me a hot water heater to replace the one I have, which is currently working. It was to be installed in one week. The installation day arrived, and no one showed up or called. The next day I called them and cancelled the order. They said fine, and I also talked with the salesman so he knew, too. 

After a month had passed, I began receiving letters from a finance company claiming that I owed them money for a hot water heater. I reached out to XXXX for assistance, and an individual from the company expressed confusion about the situation but promised to investigate. Unfortunately, the following month, I received another letter from the finance company, sparking my growing concern. Since then, I have contacted BOTH XXXX and the finance company, known as Service Finance Company , LLC - EVERY WEEK. They blame each other and no one is helping the consumer- me! 

Now it is approaching 6 months and last month my credit, which was excellent, went down. That scared me, however I am never able to talk with anyone in upper management in either company. The managers are never available. In addition, they just don't care. I expressed frustration that I am powerless in their little game and it's affecting me more and more. 

Today I got a letter from the finance company me they will engage the law about the money that is owed. The person they are going after is ME, and I want to remind you that I do not have a new hot water heater sitting in my house. I never received anything from either of these companies! I don't know what to do. Can you please help me? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, fL 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 2024-03-17 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
inquiries that was not authorize or recognized complain I contacted Transunion XXXX about the following to be removed from my credit report immediately 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 ) I made complaints to transunion and XXXX about not recognizing these inquiries and might be identity theft and or 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 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been a XXXX XXXX  client for over 10 years. I've never had an issue with invoicing, payments or other services provided. I do not understand the relationship between XXXX XXXX and WePay but I feel I have been questioned and honestly interrogated in order for them to release my funds. 
On XX/XX/XXXX - WePay deducted {$7100.00} from my client 's account for services provided by my company. 
On XX/XX/XXXX - My WePay account was closed. {$7100.00} was held, never released to me/deposited to my account or returned to the client. There was no explanation given as to why my account was closed because I never had any chargebacks or refunds. On the same day, I emailed WePay and asked how soon the client would be reimbursed their funds. XXXX XXXX responded " upon review we have determined that we will no longer be able to process payments for your XXXX XXXX payments account. All pending payments have been cancelled and any existing payments will be refunded to the payers ''. She also added " Due to the account being closed our Trust and Safety team proactively canceled. Any pending charges to your client 's credit card account will drop within 1-7 calendar days, depending on their credit card issuers processing time. 
During another email exchange on XX/XX/XXXX, XXXX at WePay support added that " any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. 
On XX/XX/XXXX I received an email from XXXX XXXX stating my client made a payment for {$7100.00}. How can he make a payment if the account is closed? 

This completely contradicts any fair business practices. 
The funds were in limbo for 5 days and they waited until XX/XX/XXXX to place the funds in reserve when they could have simply refunded the client 's money or deposited to my account. Why should the client or I have to wait 120 days for payment? The payment was retracted in one day. It should not take 4 months for me to receive payment. 

This delay is impacting my business operations and payment of bills/expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I requested in writing and over the phone they validate the debit per the fcra law and they will not provide.

Company response to consumer: Closed with explanation