vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted documentation advising I had some inquiries on my report that I did not recognize. I received a response from CFPB that the inquiries would be removed ASAP. However, XXXX still remains. XXXX XXXX and XXXX XXXX still remain as an inquiry on my Equifax report and this needs to be removed ASAP. I am resubmitted the documentation for your reference as I did not authorize these institutions to pull my credit report nor do I recognize these inquiries. Please remove ASAP as this is a clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXXXXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. XXXX XXXX XXXX XXXX  Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The inquiries on my credit report are in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The inquiries on my credit report are in accurate

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 2022-04-30 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I sent Equifax a Federal Trade Commission Identity Theft Report with the following fraudulent credit inquiry listed on the identity theft report : XXXX, XX/XX/2021, the following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry and is not my credit inquiry : XXXX, XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is not following the credit reporting rules that they expect everyone else to follow. THey ar not responding to requests or asking me for additional information to confirm my identity when I send them a copy of my license and SS card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2022 I sent the debt collector a letter, requesting that the send me a statement with the current amount due, and a monthly statement thereafter requesting payment. The request for a monthly statement was expressly made because of cognitive challenges I have and I may not remember to make the payment if I do not receive a bill. They have not responded to my letter at all. Further, I previously requested to negotiate a settlement of the debt and they refused to consider any settlement, saying that my bill was considered by my insurer in my deductible and could not be now negotiated or reduced. That's outrageous. That's like saying I received a benefit from my treatment and I can not now negotiate or reduce the payment. Ultimately, I would like to negotiate a reduced settlement and make this go away. But at a minimum, I need them to communicate as requested.

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 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I believe this company is sharing information to people with the intention of collecting debt. I had someone who I believe is somewhat affiliated with this business ( XXXX XXXX formerly of Virginia ) contact my place of business and Participate in harassing activity and intentional fraud. I believe they have done this several times over as well as having this updated beyond seven years, at this time theres a settlement in place and which Im paying on however I believe that this is retaliation to a former complaint that was filed against portfolio recovery. 

I believe they have done this for over seven or eight years and I believe that they are accessing bank accounts and checking balances and expenditures based on the information they receive from companies to collect debt. It is racketeering at the minimum. It is human trafficking for them to profit while placeing people in the disadvantaged position. I dont know circumstances to anyone from portfolio recovery or any debt collection agency be ever allowed to conduct business with anyone with access to the holder of an account under the supervision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Avant Holding Company, Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX  and Avant Bank has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've sent emails and letters to get my credit report updated corrected, no changes but : In accordance with the fair credit reporting act Capital One XXXX and XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: VA

Complaint narrative:
I've attempted to call " Direct express '' debit XXXX company for a week to set the pin number for a new updated card that my Social security XXXX funds are sent to and after a HOUR wait or more every time i call, ( 6 days ) nobody ever answers and their website is worthless also. Every time you sign in to their site it fails to remember your password and you have to spend hours waiting for their page to send you the reset page by email in order to begin resetting it. ( if they bother to even send it ). The site remembers your ID information but makes you TRY to reset the password every time. These people need to be investigated and someone else more responsible needs to be in charge of this system. Now i can't use my new card to access my money for groceries or pay my bills because these sorry fools have been put in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: TX

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.

XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
The company charges a fee for one-time payments. I prefer one-time payments as I do not like to save my financial information with companies, but in this case I'm unable to do that without incurring a fee. I think this is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Transform Credit Inc.
State: GA

Complaint narrative:
There is a fraudulent account on all three credit bureaus. The company is transform credit inc . I did not open an account this company and I did not recieve any money from then. The website is https : //transformcredit.com/ I need this removed from my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I've sent emails and letters to get my credit report updated corrected, no changes but : In accordance with the fair credit reporting act XXXX  XXXX XXXX and TD Bank USA XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
My payroll check was never intended to go to my cashapp account, someone changed my direct deposit and had my check coming to a cashapp account that isn't mine the account number is : XXXX ( mines is XXXX ) Deposit Date : XXXX XXXX Deposit amount : {$1800.00}. I spoke with several representatives through cashapp and was hung up on, told to go through email that doesn't get a response, and then spoke with a representative that said I could email him then he directed me to a dead end. This had been going on for almost 2 weeks. Instead of sending my check back because the account isn't mine or in my name, they don't want to be accountable for having to pay for someone using the money once they noticed the check name and amount didn't match.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: GA

Complaint narrative:
I've sent emails and called all 3 credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them.

Per consumer law 15 USC 1681c-2 : Block of information has been violated

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 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
As usual the crypto industry is again coming up with new ways to rob their clients. I have staked XXXX  on Coinbase ( CB ) which generates staking rewards.

CB used to have a rewards ticker where you could track your rewards- but they got rid of it on the computer version I guess because having the rewards ticker makes it harder to steal from their clients.

I have enclosed a pic of what the ticker on the computer now looks like.

CB does still have the ticker for the CB app- which is where the issue is.

Approximately four months ago my rewards ticker on my computer rolled over to XXXX I logged in the CB app and have been using that for several days now. I decided to look at my ETH rewards on the CB app. The CB app still has a ticker and it showed a vast difference of rewards calculated by the CB app vs rewards calculated that show up on the computer version.

When I emailed CB about the discrepancy I received a generic response about staking and nothing that addressed my issue.

I have attached pics of both sets of rewards- on the computer it says 0.03 The other pic is from the CB app ticker that is definitely wrong. I surpassed XXXX rewards months ago!! This is just another way for CB to rob their clients. Why else would they have gotten rid of the ticker- to do away with transparency. 

Here 's the math : I started staking in XX/XX/2021 at a rate of 6 % which has now recently dropped to 3.68 % with a balance of XXXX XXXX Yet CB shows my XXXX  rewards for the approximately one year that I have been staking as XXXX on the app 's ticker. 
I actively looked at my ticker rewards when CB was transparent about them and it has been about 4 months since they rolled over to XXXX so where are my missing rewards CB? 
The app reports one number and the computer version reports another number for staking rewards.

I expect a real answer CB, not a cut and paste response that doesn't even address the issue.

And please answer the question of why you removed the rewards ticker for computers.

CFPB - everyday all day long clients are screwed over and robbed by these exchanges. It is time for the government to regulate these exchanges and stop their constant thievery. They have enough $ $ already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2022 i submitted a dispute to the credit bureaus. The investigations were completed and the Credit Bureaus stated that the accounts were properly investigated but how is that possible if the last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is ground for removal. They also violated my rights under 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX These accounts need be deleted immediately. 

Also update my Personal info. I only have one name ; XXXX XXXX XXXX I only have one address which is my current address. 

I also ordered a copy of my XXXX credit report ( Experian, XXXX, XXXX ) simply to make sure the accounts were properly investigated. I have came across over 21 violations on my credit report. EVERY violation is circled on the attachments included in this complaint.

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 2022-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient services my federal student loans. During the payment pause they have been charging me late fees and interest and keep requiring me to make payments even though the payments are supposed to be on pause and no fees or interest charged. They have done this consistently throughout the student loan pause for COVID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am receiving telephone calls of harassment, annoyance, obscene and profane language and threats of harm, violence and death from LVNV Funding/ResurgenXXXX XXXX XXXX XXXX XXXX in regards to a fraudulent XXXX XXXX personal loan account ending in XXXX for {$5600.00} that is the result of identity theft. The XXXX XXXX Personal loan account is a fraudulent account and is the result of identity theft. Resurgent Capital Services has violated and is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NC

Complaint narrative:
Dispute letters were sent certified mail USPS # XXXX to Equifax in XX/XX/XXXX and I requested to them to provide original contracts that are signed/consented by me for accounts listed below : Account Name : XXXX XXXX XXXX  Account Date : XX/XX/XXXX Account Number : XXXX Account Amount : {$1000.00} The account Listed above IS NOT MINE. You did not provide The original instrument of indebtedness, or proof that the instruments still exists. I have not received any DOCUMENTATION or CORRESPONDENCE with this information that you claimed I consented to above account. Yet this account still remains on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've sent emails and called all XXXX credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them. 

Per consumer law 15 USC 1681c-2 : Block of information has been violated

Company response to consumer: Closed with explanation