vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: T.S. Holdings
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : IQ DATA INT XXXXXXXX {$7500.00} XX/XX/2023 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express gift card can not be used with any merchant I can find, I have tried multiple online and physical locations and the cards do not work. Merchants all say this is due to changes by American Express and all other vendors still work. I have tried using over XXXX times since its issuance on XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I purchase a used XXXX XXXX  vehicle from a dealership in XXXX, Illinois. Months to a year later, the car started having a lot of difficulties that wasn't covered in the warranty I received from the dealership. Once the car was sold to me, the dealership was unresponsive and didn't assist me any further. I found myself putting so much money into a vehicle that I had just purchased. A few years later, I contacted the finance company which is credit acceptance and asked could they pick up the vehicle. It was running at the time and I've had enough of putting so much money into this car. They picked it up. I voluntary gave them the car back thinking I was dong the right thing. They sold it to the auction, etc.. I received a bill that was the full price of the car. Remind you, I paid this car note for years before I called to return it. As of today, I have a hold on my bank account, I have no attorney and all of my funds are froozed. The amount owed doubled and credit acceptance is not communicating to me why. I need assistance asap.

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 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
I had received several text messages from my banks fraud number on XX/XX/XXXX asking me if I had done a transaction through XXXX XXXX  and I replied no then I received another text message from the same number asking if I had added someone to my XXXX account through my bank and I replied no then I received a telephone call from the same number which shows my banks fraud number and the person on the phone said that I needed to delete my debit card from my XXXX XXXX  and told me to add an virtual card in order to stop the payment and I would see the {$400.00} back into my bank account within an hour. So I did what they said because I thought it was my bank because the phone number showed my SouthState bank number. I went to my branch on XX/XX/XXXX to ask about it and talked to a lady name XXXX and she told me it was a scam that I needed to file a claim but I had to wait until it showed it went through my checking account because at the time it was showing pending that she would file a claim on Monday XX/XX/XXXX and that i didnt need to call her she was making a note. i decided on monday XX/XX/XXXX to go to the branch at XXXX and talked to XXXX and the claim was not filed yet like XXXX XXXX she would so XXXX XXXXXXXX XXXX claim. i received a letter denying my claim due to my phond was used for the transaction. yes it was becsuse i thought it was my bank becsuse of the phone number showed my bank. i also feel like if XXXX would have done something while the transaction was showing pending i could have stopped it. i took all the right steps and i should havr had my money credited back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My purse was taken in XXXX. I've been monitoring my credit profile and accounts. I recently pulled a copy of my credit report and noticed accounts and inquiries that are not mine nor have I authorized. I reached out to the credit reporting agencies requesting verification. These accounts are not verifiable. 
I have the right to privacy, and these accounts with XXXX XXXX XXXX XXXX, XXXX have been furnished to my profile without my written consent which is in violation of 15 USC 1681B. 
Again I have no knowledge of the accounts or credit inquiries from XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I requested with each agency that all fraudulent addresses are removed from my profile.

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 2024-02-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was looking through my credit report and saw inquiries that are not mine on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: WI

Complaint narrative:
I asked the Credit Bureaus to investigate proper reporting regarding my Credit Report. However, I still see issues with my Credit Report. XXXX and Experian are still reporting I had late payments with the following Student Loan accounts. This CFPB complaint ( # XXXX ) was previously fixed with XXXX on XX/XX/23, however is not reporting the same with the other Bureaus. I ask for them to remove the accounts entirely, or properly report they were paid on time and never late. 
Thanks, 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 explanation
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2024-02-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have encountered persistent challenges in rectifying unauthorized accounts and inquiries on my credit report, despite diligent efforts to engage with the credit reporting agency. Notably, previous disputes raised pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c2, which mandate stringent compliance with accuracy reporting and full file disclosures, have been met with inadequate responses from the agency. Despite my repeated attempts to escalate the matter and engage with supervisory personnel within the fraud and dispute departments, the agency has failed to facilitate such discussions, citing internal policies that seemingly diverge from the explicit mandates of federal law. 

Under 15 U.S.C. 1681c2, the agency bears a legal obligation to expeditiously block any information originating from alleged identity theft, upon receipt of requisite documentation, including substantiating proof of identity, an identity theft report, specific identification of disputed information, and a formal statement disassociating said information from any consumer-initiated transactions. Notwithstanding the provision of comprehensive documentation, including my driver 's license, social security card, and an FTC report, the agency has regrettably neglected to fulfill its statutory duty within the prescribed four-business-day timeframe. 

My paramount concern stems from the agency 's apparent non-compliance with federal statutes enacted to safeguard consumers against the deleterious effects of erroneous credit reporting. As such, I am compelled to signal my intent to pursue further recourse, including, but not limited to, legal remedies, absent expeditious compliance with the mandates of 15 U.S.C. 1681c2. I therefore implore the agency to promptly rectify the identified inaccuracies in my credit report and take requisite measures to ensure future adherence to federal law.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
CONTINUAL PHONE CALLS FROM A COMPANY CALLED, " SPRING OAKS CAPITAL '' TRYING TO COLLECT A DEBT THAT IS NOT ASSOCIATED WITH ME. THEY HAVE BEEN CALLING ME FOR MONTHS AND NOW HAVE RESORTED TO TEXTING ME ABOUT AN ALLEGED DEBT FORM XXXX XXXX/XXXX  XXXX  . I CALLED THEM TODAY AND TOLD THEM I HAVE NEVER HAD AN XXXX/XXXX XXXX XXXXXXXX . MY CREDIT IS MONITORED AND NO NEW ACCOUNTS OR OLD ACCOUNTS EXIST UNDER THOSE NAMES AND I DO NOT OWE ANY DEBT TO THEM. THEY REFUSED TO GIVE ME ANY INFORMATION CONCERNING THE ALLEGED DEBT, NOR VERIFY MY SOCIAL SECURITY NUMBER AND DID NOT STATE THAT THEY WOULD STOP HARRASSING ME. THEY WANTED INFORMATION FROM ME BUT I REFUSED, AS I DO NOT KNOW THEM OR TRUST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL SYST XX/XX/2023 {$290.00} XXXX This company has not provided any information validating this debt 15 U.S.C. 1692g ( a ) ( 3 ) ( 15 USC 1692 et seq. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
I have reached out to this company XXXX XXXX XXXX through XXXX XXXX XXXX XXXX  several times. I have disputed this account several times. I have a recorded phone call with this company station that if I sent in supporting documents, they would remove the account from my credit and they have failed to do so. I emailed this company on XX/XX/XXXX and XX/XX/XXXX. I have sent over my FTC report, Police Report and my previous residential lease that clearly shows where I was living at the time this account was fraudulently opened. I have also requested this company to send me Hard, evidential proof that I opened this account and have yet to receive nothing but a letter stating that my claim was denied. No proof, no signatures, no hard evidence. Just a letter saying that the info provided on the application matches my personal info. Well, of course it does because they used my personal information to open the account. They also stated in the letter that the email address I contacted them from ( XXXX ) matches their records, which is indeed a blatant XXXX  because I obtained that email address in XXXX and this account was opened in 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 2024-02-12 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: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
I have reached out to this company First Access XXXXXXXX through XXXX XXXX XXXX XXXX several times. I have disputed this account several times. I have a recorded phone call with this company station that if I sent in supporting documents, they would remove the account from my credit and they have failed to do so. I emailed this company on XX/XX/XXXX and XX/XX/XXXX. I have sent over my FTC report, Police Report and my previous residential lease that clearly shows where I was living at the time this account was fraudulently opened. I have also requested this company to send me Hard, evidential proof that I opened this account and have yet to receive nothing but a letter stating that my claim was denied. No proof, no signatures, no hard evidence. Just a letter saying that the info provided on the application matches my personal info. Well, of course it does because they used my personal information to open the account. They also stated in the letter that the email address I contacted them from ( XXXX ) matches their records, which is indeed a blatant XXXX because I obtained that email address in XXXX and this account was opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have tried to use my American Express gift card with multiple online and retail stores, American Express claims the card should work at both, although I have tried to use the card over a dozen times the card or transaction is always denied. Retailers claim that a change by American Express is the cause and not and issue with the retailer. I looked online and found that this is very common with American Express gift cards. I have tried multiple time since the card was activated XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I was looking through my credit report and saw inquiries that are not mine on there

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 2024-02-12 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: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I previously Provided a copy of my FTC Identity Theft Report, Proof of Identity and an Notice to Furnishers of Information to Sequim Asset Solutions back in XXXXXXXX XXXX XXXX. It was sent and delivered via certified mail. XXXX XXXX XXXX the company that this account originated from also was made aware and provided all the same documentation showing that this was in fact due to Identity Theft. Both Sequim and XXXX XXXX XXXX have now knowingly provided fraudulent information to the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I made a purchase with XXXX XXXX on XX/XX/XXXXXXXX  in the amount of {$1500.00}. On XX/XX/XXXXXXXX  they refunded me a partial amount of {$1300.00}. Their payment processor Square shows the refund initiated that day. That same day a pending transaction hit my bank account to hold place for the refund. My bank DOES NOT hold refunds and posts them instantly. So on XXXX, no refund posted, I reached out and asked if Square had actually initiated it. All I got back was a canned response. On XX/XX/XXXX, I reached out to my bank as I'd never had a refund take more than a day to process. My bank said they could physically SEE the {$1300.00} refund and that the only reason I didn't have access to it it because Square has a " hold '' on it and won't allow it to be released until XX/XX/XXXX. So I reached out to Square and they provided the same canned response about refunds taking up to 7 days to process. But it HAS processed, they're just holding it. Then I was told that sometimes they hold it if they are investigating the sellers account. I'm not sure why MY refund is being held up for an investigation of a sellers account. I signed NO agreement with Square that would allow them to hold my money for no reason, and honestly, didn't even know I was using Square until I got the charge on my card showing that XXXX XXXX uses them to process. So today, thinking my refund will be there since the hold was supposed to be released today, I look at my bank and NOPE. Still no refund. I reach out to my bank and they say that Square STILL hasn't released the hold. I reach out to Square and yet again get another canned response about processing times. Again, they are HOLDING my money. Not processing. The process is done, my bank sees the full {$1300.00}. It is being HELD from being released by Square and I did not sign any agreement with them that allowed them to WITHHOLD MY MONEY. I would like my funds released NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: IL

Complaint narrative:
I have received settlement offer letters from Client Services , Inc. ; XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX all offering settlements for an account with XXXX with XXXXXXXX XXXX They have all offered different amounts for settlement. Client services never even stated the amount owed on they debt they were trying to collect for. they just offered a settlement They have never provided any documentation about the debt owed, any signed contracts of the debt owed, or proof that the debt belongs to me by original creditor. Each one has/had called every single day multiple times a day.

Company response to consumer: Closed with explanation