vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent out a letter out on XX/XX/2023 to transunion with my identity theft letter. Here my tracking number XXXX. They credit bureau failed to investigate my investigation back. This not make sense According to the law 15 U.S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLLECTION SERVICES, WHICH WHO I DO KNOW THIS COMPANY IS IN SERIOUS VIOLATION AND BREACH OF CONSUMER LAWS AND FEDERAL LAWS. YOU ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp recently froze my account claiming I made a sanctioned purchase of XXXX products. All I did was send a friend money I've already disproven all their claims of illegal use and any other legal reason they could have had to freeze my account and my account remains locked for 7 days currently and counting I'm deprived of over $ XXXX that I can't access, withdraw or anything Support reads and endless script and claims they can't help No reason for my account to be frozen yet I continue to be deprived of my money with no other explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
I purchased my car over a year ago in XX/XX/2022. I have tried working on my credit score and innovate loan service has not reported my payments not once in a whole year to the creditors. Therefore all this time my credit has done nothing. They refuse to fix it saying they are reporting when I have called all the Bureaus and there is no account of my car loan at all. They can not do this to people. It wasn't our chose to have this company. Now I'm the one being punished when I pay on time. Something has to be done. They do not let you speak to any one higher up in charge don't give any answers and don't care just taking people 's money. Horrible customer service. This has to be illegal I have read so many reviews now of it happening to so many people with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/ there was an account opened under my name for the amount of {$2200.00}. I was contacted by the creditor regarding payment. I explained that the account was opened fraudulently under my name and that the loan was not mine. They mailed me papers requesting a lot of personal information that should already be in their possession if this loan was in fact mine. I was not comfortable sending back these forms with all my personal information including birth date and social security number. The account was charged of and placed in collections. I am now being sent collection letters from a different creditor that bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX 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 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX 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 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023 at XXXX XXXX eastern time at the Bank of America on XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX I deposited {$1000.00} cash and the atm returned {$400.00}, I attempted to deposit the returned {$400.00} and the atm said the cash could not be returned or accepted. Still, it has not been credited to my account and Bank of America has been unresponsive. After reading online similar experiences from over 20 previous Bank of America clients that said the same thing and never got their money back I am very concerned that the same will happen to me. My rent is due in a few days and I would really like my money back into my account as I pay my rent electronically.

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 monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I applied for a lovely home on XXXX XXXX and was denied due to many inaccuracies reporting on my credit report. 

I am writing to report several inaccurately reported accounts on my TransUnion credit report, as well as express my concern regarding the lack of investigation on your part. These inaccuracies have resulted in adverse action letters, denying me housing opportunities due to the discrepancies on my credit report. 

I have previously submitted an identity theft report to the Federal Trade Commission ( FTC ) regarding inquiries and accounts that do not belong to me. Despite my efforts and the seriousness of the matter, it appears that no action has been taken by TransUnion to rectify this situation. It is essential that you address these issues promptly and in accordance with the Fair Credit Reporting Act ( FRCA ) laws. 

Below, I have provided a list of the inaccurately reported accounts on my TransUnion credit report : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a welcome letter for the American Express Platinum card. I applied online for the line of credit. American Express immediately denied an extension of my credit. This counts as two violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.

Adverse action is illegal. 15 usc 1602 section F and P both state credit is my right, and I can not be denied a right. The term creditor means someone who regularly extends credit. Credit is the right granted by a natural person meaning I am the original creditor. So how can American Express deny me access to my own credit? They can not go by a credit score
. The credit score is not the determining factor for credit worthiness. Its illegal to use this against the consumer because it leads to discrimination and misrepresentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted by Citibank fraud department related to to some charges, complied and verified ALL charges did not not belong to me and I had no knowledge of 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 monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent letters to have this account removed if my credit reports due to being reported inaccurate on my credit report. 15 U.S.C. 1681 section 602 A. 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 2023-08-27 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Captial One mallicoiusly lied to disqualify my dispute. 

After a year of frequently calling, checking and waiting- I was told to submit documents several times. After nearly two years of run-around, I was told that the case was disqualified at the start for being 10 days late to a paperwork submission deadline. I HAD NO NOTIFICATION OF THIS DEADLINE.

I was told ( after 1.5 years ) that Capital One expects customers to log in and frequently check a hidden " documents '' area to get notifications. They do not provide direct notification and disqualified my request retroactively because of this excuse. Then, they lied saying the issue was fully resolved. I believe them, but later discovered that they corrected ONLY ONE OF TWO FALSE CHARGES.

Capital One was notified of this issue 10+ times by phone and 5 times THROUGH THE CFPB and continues to defend their fraudulent behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Racial Discrimination & Bias in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  maintenance worker tried to burglarize my apartment. I have it all on camera. I feared for my life and called the XXXX POLICE DEPARTMENT to the apartments to file a police report on XX/XX/2020. XXXX XXXX XXXX  gave me permission to break the lease with no fees or penalties. 
XXXXXXXX XXXX XXXX has placed XXXX XXXX XXXX  XXXX in the untenable position to commit felony conversion aiding and abetting fraud by mail attempt to collect a debt that I have no contractual obligation. ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering. XXXX XXXX XXXX XXXX has violated my privacy and have failed to adequately comply with the affidavit request. Over the last 3 years I have been dealing with the harassment of XXXX XXXX XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. The inaccurate reporting has damaged my livelihood. At this point I have to tried to resolve the matter. What else is there to do, File a complaint with the Attorney General, File a complaint with the federal Trade Commission. File a police report against you for harassment an invasion of privacy. File a lawsuit against you in Florida for harassment, fraud, and invasion of privacy. For the purpose of Section 242, acts under " color of law '' include acts not only done by federal, state, or local officials within the their lawful authority, but also acts done beyond the bounds of that official 's lawful authority, if the acts are done while the official is purporting to, or pretending to, act in the performance of his/her official duties. Persons acting under color of law within the meaning of this statute include police officers, prisons guards and other law enforcement officials, as well as judges, lawyers, care providers in public health facilities, and others who are acting as public officials. It is not necessary that the crime be motivated by animus toward the race, color, religion, sex, handicap, familial status or national origin of the victim. The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX maintenance worker tried to burglarize my apartment. I have it all on camera. I feared for my life and called the XXXX POLICE DEPARTMENT to the apartments to file a police report on XX/XX/2020. XXXX XXXX XXXX gave me permission to break the lease with no fees or penalties. 
XXXXXXXX XXXX XXXX has placed XXXX XXXX XXXX XXXXXXXX in the untenable position to commit felony conversion aiding and abetting fraud by mail attempt to collect a debt that I have no contractual obligation. ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering. XXXX XXXX XXXX XXXX has violated my privacy and have failed to adequately comply with the affidavit request. Over the last 3 years I have been dealing with the harassment of XXXXXXXX XXXX XXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. The inaccurate reporting has damaged my livelihood. At this point I have to tried to resolve the matter. What else is there to do, File a complaint with the Attorney General, File a complaint with the federal Trade Commission. File a police report against you for harassment an invasion of privacy. File a lawsuit against you in Florida for harassment, fraud, and invasion of privacy. For the purpose of Section 242, acts under " color of law '' include acts not only done by federal, state, or local officials within the their lawful authority, but also acts done beyond the bounds of that official 's lawful authority, if the acts are done while the official is purporting to, or pretending to, act in the performance of his/her official duties. Persons acting under color of law within the meaning of this statute include police officers, prisons guards and other law enforcement officials, as well as judges, lawyers, care providers in public health facilities, and others who are acting as public officials. It is not necessary that the crime be motivated by animus toward the race, color, religion, sex, handicap, familial status or national origin of the victim. The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any.

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 2023-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Prince Parker & Associates
State: WI

Complaint narrative:
PRINCE PARKER AND ASSOCA Reported : XXXX XXXX, 2023 {$4600.00} This companys are reporting that I owe them those balances. 

I need the audit trial of the balance. 
Also I need them to provide me with the agreement that grants them to collect this allege debt. 
Also provide with the master bill of sale

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I had a Car loan with Santander bank in XXXX through XXXX. During that time I had very low income and I was unable to pay the monthly bill and was charged outrageous amount of fees and interest that resulted in me paying my loan amount over 3 times the amount the contract was for because they did not provide me resources when I was in need of financial hardship assistance. My son and I had to live with my parents as I could not afford to live on my own and we lived XXXX XXXX XXXX XXXX. I had to seek help from friends to afford to feed my son because if I did not pay my loan I could not go to work to pay my car. I worked only to pay my loan and I had nothing else. There was a lawsuit I was never made aware of that Santander consumer settled on and I had never received a letter to join as this was unethical and other consumers were taken advantage of. I was not qualified for that loan but they approved me knowing I could not pay it and would suffer tremendously in life like I did with my XXXX  child. I asked for the fees and extra interest applied to be reimbursed to me, as I continued to pay the car and outrageous fees so my credit wouldnt be damaged which they did anyways and I couldnt purchase a car for a long time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this 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 non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief