vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
On the day of XX/XX/2023 I mailed a negotiable instrument with a signature that stated. " I accept the offer in the amount of XXXX for valuable consideration and tender the full amount of all claims, by without recourse. '' The offer was accepted on XX/XX/2023. I have proof which will be attached that my account was not tendered properly in good faith my account should be fulfilled. I've reached out to their missing payments department. They asked for the receipt and USPS money order number. I asked to speak to a supervisor on XX/XX/2023 as well as proof of my draft and accepted the offer USC 3-311 ( a ) ( i ). Here is the email sent " Upon accepting my payment In good faith the negotiable instrument ( money order ) accordingly, Ucc 3-311 was accepted for cash for the full satisfaction of the account. Due to the draft stated, my account should be fulfilled and zeroed out. The instrument has to be tendered properly in full satisfaction of the claim. '' I received a letter stating that I was in a penalty of past due when my offer was accepted for value. 
I've called multiple times. They said that it would be an email sent to me in regard to my account on the day of XXXX XXXX. I still haven't heard anything. Nor has my account been resolved. 
Under the law of UCC 3-311 satisfaction by use of instruments and UCC3-310 effect of the instrument on obligation for which taken. Due to the money order and draft being accepted and cashed, the debt should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported all to the ftc and transfusion, 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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX  accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2023-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have had several issues with Venmo regarding their lack of disclosures when making crypto currency exchanges. The first incident was I sold some cryptocurrency after purchasing it from them and my funds were placed on hold for 5 days. I should have been notified prior to the sell that this was going to be a result and given the option to back out of the sell. The next incident, I was not able to transfer out the cryptocurrency that I have purchased through them. I spoke with customer service and they said there was no holds and I kept having to reinstall the app and it finally went through. And the third incident I purchased cryptocurrency again and I went to transfer it out of my wallet and it said that there was XXXX available. I contacted customer service and they said there's a XXXX hold now. Why was I not notified that there was going to be a whole prior to the purchase that way I could back out or at least be aware of the situation? Their lack of communications and disclosures of their business practices is unfair and misleading when they are taking the fees and pocketing the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing information on my credit report with XXXX since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving XXXX 30 days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX XXXX XXXX  and XXXX is showing 3 bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and Self account are showing late payments in which I asked for proof of late payments SEVERAL TIMES and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over 60 days to complete their investigation and furnish proof.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I had a pay off amount of {$14.00} that I paid in full for my car loan. I have receipts of payment in full and recieved my car title but they reported a delinquent. It is still reported on my credit report as a delinquent. I would like this error to be removed due to first Hawaiian banks error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
I was under the impression I was talking to one person and he claimed he was and remember a couple of days I made arrangements to not be in town anymore just to be going out of town so I didn't worry about paying money or nothing I was asked to send the money to get that ticket paid for and I prove that I actually am seriously XXXX XXXX anymore and turned out that after I sent the money and he's been virgins to avoid me and block me and I found out it just came through a XXXX friend and a post and live contact in my bank and it's not doing me any good cuz they act like they're just going to wait to call me back or whatever so I need help with getting my friends back to me as it was an imposter and it's been proven that he's been pasture XXXX hasn't even blocked him out of there or done anything about it whenever I reported him after I found out I mean it's like everybody 's going to let him continue to scamming people I'm on XXXX I can't afford to be losing income my landlord locking out of my house because of the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Trans Union continues to report fraudulently a business debt opened on a different tax identification number to my personal credit report. Trans Union is committing fraud by putting a debt on a different person. The fraud continues after reporting and disputing. No proof has ever been sent to me that this is my contract or has anything to do with me. All disputes have been ignored, and never really investigated as to the origin of the dead from a failed business seven years ago with a similar name. I have filed a fraud report with the FTC report number XXXX. The FTC report also includes XXXX fraud by reporting the same business on personal credit report. And never showing any proof of debt or contract. XXXX is also reporting a XXXX XXXX condemned the bank that is also a bit of time not related to me and XXXX XXXX, which has never been proven to be mine or any contract provided or proof of real debt.

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 2023-07-01 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have been a victim of identity theft and the following fraudulent items are appearing on my credit. The fraudulent items are as follows : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
XX/XX/2023 Date Amount Description XX/XX/2023 {$62.00} XXXX  XXXX XXXX gosq.com HI To Whom it may Concern : On XX/XX/2023 I placed a online order to a establishment called XXXX XXXX In XXXX XXXX Hawaii XXXX They claimed to be still open and operating. I went to the establishment at my pick up time at XXXX. However when I got there, the business was completely shutdown and cleared out. This business is closed down with no date of returning or re-opening. I did not get my items. The fact that they are claiming that they are open and still operating is ludicrous. I have send Citi my online pick up order that I was supposed to receive AND the sign on the door saying they are closed down. Multiple people online have also stated they are now closed for business and have also been scammed out of their money which I have sent in through the dispute documents to Citi. You can visit their yelp page to verify this statement at https : XXXX XXXX XXXX 

Please take the time to read through my statement and examine the photos I have provided. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Fabco called my mother 's phone looking for me when her number isn't listed on XX/XX/2023 and kept harassing her where to find me. Then the same day they called my employer and lied saying they were verifying a application for a rental property and and personal information about me. I have recieved a letter dated XX/XX/2023 saying that it's for a collections to XXXX XXXX for {$6000.00}. That I owe but didn't not know I could counter XXXX until it was to late for not fixing the apartment I was in and it was unsafe and the management new and was documented for 6 months they did nothing. They also denied the rent help I was going to recieve from XXXX XXXX XXXX and XXXX charities and pursed eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-01 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:
hard inquire on my Transunion credit report from XXXX XXXX on XX/XX/2023

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing information on my credit report with XXXX since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving XXXX 30 days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX XXXX XXXX and XXXX is showing XXXX bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and Self account are showing late payments in which I asked for proof of late payments XXXX XXXX and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over 60 days to complete their investigation and furnish proof.

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 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XXXX of 2023 I filed a claim for XXXX XXXXransactions that were not authorized by me for a total of {$1200.00}. The bank denied my claim and closed it. In order for them to reopen it they suggested I file a police report. So on XX/XX/2023 I filed the police report and once again they denied and closed my claim. Ive done everything I can had to do to prove I didnt authorize those XXXX XXXXransactions. Wells Fargo has been a pain when it comes to fraudulent activity. Ive even changed my username and password with their help.

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 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity bank calls me at least 7 times a day from all different numbers and even blocked numbers they do no stop harassing me. All because I didnt pay my full amount due on of the cards. Its not even a month passed due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have disputed these debts with XXXX, XXXX and XXXX 9 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023 The following collection : Portfolio Recovery Assoc {$620.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
We have a dispute BOTH with XXXX XXXX XXXX, as well as with Citi Card XXXX Citi ) in XXXX XXXX XXXX XXXX. I intend to file a separate complaint with XXXX over its rental of a dangerous electric vehicle which died in traffic. 

I have disputed XXXX 's charges with Citi. Citi 's ' automated system apparently only accepts disputes involving purchases of GOODS! voulminous information I have sent to its XXXX XXXX headquarters ( as requested by it, have produced the following response : " We are unable to assist you with this dispute as the documentation that you provided is an estimate. It is not the actual sales RECEIPT for this PURCHASE. '' [ emphasis added ]. 

XXXX gave us NO receipt. upon return of the vehicle we subsequently rented. It later send a copy of the original contract which I submitted to Citi. Note -- this was a service, not conventional purchase of a product. Since XXXX has nver sent me an actual bill for the claimed rental cost, Is the only way for me to get a " receipt '' to pay the disputed amount charged to XXXX 's credit card and then submit a cancelled check ''?

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
What is your verification methods? Do you have have proof that my name was ever legally " XXXX XXXX '' including a copy of a license, ID or social security card? 

You've stated that you verified the inaccurate bankruptcies on my report. Though, I've attached an email from XXXX and a letter from the US Bankruptcy court saying that they've never reported a derogatory information to you. XXXX whom your company frequently uses for verification ( per attached letters ) deleted those inaccurate bankruptcies as well as XXXX and XXXX. 

Send me a detailed description of how you " verified '' this information ASAP. Thx

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