vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2024 I purchased that coin cash on Venmo. Which I have the transaction I. D. Then sold the XXXX cash that I purchased and Venmo took the proceeds from that sale stating that the I owed them. But I have a transaction completed stating they were paid XXXX. Affected them multiple times And lay hung up on me repeatedly. To be honest, the most unprofessional I. Guess they're not a bank. So I would say the most unprofessional financial institution. I have upper dealt with. To be honest, the most unprofessional company. Or humans I've ever dealt with. But hypurges {$29.00}. Worth of XXXX, cash that day, they have stolen sale money of that XXXX cash, which was for {$25.00}. So I need help. Please, I know it's a small amount. But these guys are completely Out of line end thieves. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson capitol is trying to collect a debt and they failed to give me information so the debt could be validated. The debt is past the statute of limitations in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A lawsuit was filed in XXXX XXXX alleging a debt owed. No contract was received. No credit limit is known and no Credit Card Agreement was received. I have had no business with the.Origanal Creditor nor with the Debt Collector. This is a fraud filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I XXXX XXXX contacted Experian XXXX and XXXX XXXX XXXX i also did many police report and ftc reports showing i was a victim of id theft i also sent many police report to block the reporting information i also contacted the companies XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the compaines are listed in the police report i file on online due to the covid XXXX XXXX police station only have you to do id theft online report so they can limited the traffic from their offices i also did a report to many compaines they sold my information to like XXXX XXXX  and XXXX  i been back and forth with the compaines for bout XXXX XXXX im getting the run around even those thses compianes is selling my debt they are still holding on to the debt on my credit report and not proplery beibg on honest on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had XXXX debts from on me from these companies and experian fraud unit denied me of right i ask to block the information on my reports.XXXX  did as well and XXXX im a victim of hardship being in a XXXX XXXX i was not able to stay on top of the matter but i ask to get help from these companies taken advantage of me wile im having a hardship i almost lost my kids because experain XXXX  XXXX  denied me of my rights. XXXX XXXX XXXX XXXX didnt help they sent me and limbos to get to speak top some one they have many complaints from me on recored with the cfpb nothing was not done. i also have ftc report file they didnt honor as well i need help to get the matter control im not able to help my self at all and cant afford to pay the debt that other done i ask for help i also spokke to the attorney general had no luck i hoping you would get to the bottle of this i been taken advatage of from these compaines in would like some assistance i try to speakwith a few comapines but wasunable to be verify but experian, XXXX  and XXXX  said i was verify witch we all know it was not accurate .15 usc1681 ( i ) 15 usc1681 ( c )

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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I got a car loan with Santander consumer USA in XX/XX/XXXX of XXXX. The vehicle was repossessed on XXXX of XXXX. They sold the vehicle never told me how much they sold it for and now they're coming after me for a balance of {$8400.00}. 

I am disputing the information under Section 623 of the Fair Credit Reporting Act ( FCRA ), I am requesting immediate deletion from my XXXX credit file as XXXX and XXXX does not have the same information nor does have this account as a charge off. I have called them and tried to send them letters in the past couple of years never got any response with them and it's been already 7 years since the repossession and it's still negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my 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 non-monetary relief
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX, Account name:XXXX  XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  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.

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.

Also my middle name is missing apostrophe on all documents.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
Medcredit Choice XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  they call all hours of the day told them to stop calling even tried blocking them but yet they get another number keep on calling

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NJ

Complaint narrative:
ON XXXX OCCASION I REQUESTED MY CONSUMER FILE DISCLOSURES FROM LEXIS NEXIS. THE SECOND REQUEST WAS AS RECENT AS XXXX XXXX 2024. 
I USE THE COMPANY OWN OWN REQUEST SYSTEM SUPPLYING ALL MY IDENTIFIABLE PERSONAL INFORMATION, AND XXXXXIS NEXIS RESPONSE TO THE SUBMISSION WAS BY MAIL SAYNG TO SUMMITT MY INFORMATION USING THEIR SYSTEM SUPPLYING THE REQUESTED INFORMATION. LEXIS NEXIS IS ENGAGING IN A STALLING TACTIC TO KEEP ME FROM ACCESSING AND KNOWING WHATS ON MY CONSUMER FILE. THIS IS BEING DONE TO PROHIBIT ME FROM DISPUTING ALL THE INACCURATE INFORMATION THAT IS LOCATED ON IT. THIS IS A COMPLETE. DENYING ME ACCESS TO MY CONSUMER DISCLOSURE IS A VIOLATION OF THE FCRA, AND IF NEED BE I WILL ESCALATE THIS TO A LEGAL VENUE IF ACCESS TO MY REPORT IS NOT HONORED. THIS REQUEST IS BEING MADE THROUGH MY VERIFIED CFPB PORTAL SO THE IDENTIFICATION HAS BEEN IDENTIFIED AS BELONGING TO ME THE NAMED CONSUMER IN THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lenmo Inc
State: CA

Complaint narrative:
I signed up for Lenme yesterday, XX/XX/XXXX. 

I finished the sign-up process, successfully linked my bank and paid the subscription fee of {$1.00}. 

I then tried to take out a loan of XXXX and was denied " service '' with no reason given as to why. It simply said that the system could not complete my request at this time. 

Obviously I am distressed as I have provided personal information and even linked my bank and was denied service. I even paid a subscription fee and was not provided the advertised service. 

I tried contacting their customer support in-app and have not received a reply. It has been over 12 hours. I included a request for them to just delete my account AND data as well as send me confirmation that my data has been deleted. 

I still have not heard back. I have tried calling the customer support phone number but it just refers you back to the in-app support, in which they do not reply. I have essentially been robbed in my time of need and have no received my subscription money back or even a reply.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
On XXXX XXXX I had a report that my loan increased over XXXX around the time that my loans were transferred from XXXX XXXX to Ed financial, I can not obtain prior history of transactions from XXXX XXXX as their website is no longer working, when loans resumed, Ed financial wasnt able to provide information of how much Iv paid towards principal and to interest. They also reported that I had capitalized on my loans, although I believe this to be an error, during Covid they should not have been charging interest and I continued paying on loans during this time anyways and I resumed payment on time. I have called XXXX time to Ed financial they have limited information and informed me today that it will take XXXX business days before I can receive payment history information. They also referred me to finaid and it just sent me back over to edfinacial. I feel that there must be an error on the amount transferred that I made target payment to principal and on specific loans, I have receipts of payments that were made to XXXX XXXX that Ed financial doesnt have record of. I have requested an appeal although I am getting nowhere and they are just sending me payment history which will take 40 business day which would be approximately 2 month, im concerned that this isnt readily accessible online and I can not see where money is being applied to loans specifically principals or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX, Account name:XXXX  progress XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX 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.

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.

Also my middle name is missing apostrophe on all documents.

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 2024-03-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name:XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  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.

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.

Also my middle name is missing apostrophe on all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
My personal information was exposed in the XXXX XXXX hack in XXXX which I became aware of when they sent me a letter informing me. This debt is not mine. In XXXX I received the first of XXXX debt collection attempts referencing a loan in XXXX, there were subsequent attempts in XXXX, XXXX, and XXXX by different debt collection agencies for the same loan. The first XXXX debt collection agencies dropped their claim after I requested a debt validation letter. The XXXX agency is still pursuing the collection after having sent me a debt validation letter and have notified the credit reporting agencies which has negatively affecting my credit rating. The debt validation letter shows only my name, my former address and the last XXXX numbers of my social security number. All easily obtained by criminals.The transaction with XXXX had been done electronically and the debt collector did not provide any information as to where the money was sent ; no routing number, account number, tracking number, date cashed, bank name, address, etc. I was defrauded like so many others and have been put in the position of proving a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have written to this credit bureau on XX/XX/22 requesting proof of how the debt was validated. I asked for the original signed contract. Accounting records and proof of how this debt was verified. The company stalled asking for Id and proof of address when the information was already sent to them. I do not recall signing a hipaa release for this company to release information. I asked for a copy of that as well. The company failed to provide proof of how this debt was verified only that it was violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have written to this credit bureau on XX/XX/22 requesting proof of how the debt was validated. I asked for the original signed contract. Accounting records and proof of how this debt was verified. The company stalled asking for Id and proof of address when the information was already sent to them. I do not recall signing a hipaa release for this company to release information. I asked for a copy of that as well. The company failed to provide proof of how this debt was verified only that it was violating my rights

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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records. 

Despite multiple requests made by me, XXXX XXXX, Transunion Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX  XXXX XXXX. It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law.

I hereby issue this final demand for Transunion Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from Bank of America in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Transunion Credit Bureau for blatant violation of my consumer rights and the UCC law.

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within XXXX  Days.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-03-06 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: U.S. BANCORP
State: GA

Complaint narrative:
I did not give this company ( US BANK XXXX XXXX ) permission to pull my credit.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent inquiries listed on my credit report. I recently obtained a copy of my credit report and discovered several inquiries that I did not authorize and have no association with. These unauthorized inquiries are damaging my credit score and are indicative of potential fraudulent activity.

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