vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: WA

Complaint narrative:
After receiving suspicious emails over a period of time from XXXX, when I did not have an active account, I sent them to their company XXXX XXXX  and then also called them to make sure that there was no active account with my name and email. At first I was told there was indeed a verified account in my name and that it could not be closed down. Then after a number of calls and emails back and forth, one of their operators confirmed that I would get no further emails, in XX/XX/XXXX by phone. Then on XX/XX/XXXX, I received the attached letter via XXXX Mail from a company called American Coradius International. Stating that they were trying to collect a debt for XXXX. 

I have never owed money to XXXX. I do not have a credit account with them, and have not used their service in YEARS!! 

I called XXXX on XX/XX/XXXX, and XXXX XXXX filed two claims on my behalf XXXX, and XXXX and stated I would hear from them in 3-5 business days about next steps. When I did not hear from them by XX/XX/XXXX, I called them again. I was told by XXXX ( # XXXX ) that I owe them no money and not to call the phone number on the letter I received from XXXX. I was told that they were continuing their investigation. 

So now, not knowing what to do and not wanting to call this company who sent me a letter asking for money that I don't owe, I am sending this to you. I don't know what else to do, I don't know if I am being scammed or a victim of fraud at this point. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Greetings, on XXXX XXXX, 2022, I was approached by a company that has been offering investment opportunities. They will guarantee my investment and that their company XXXX and changelly will secure my money. I never made the investment until the XXXX of XXXX for {$500.00} then she came back saying that if i can afford more money my profit will grow drastically so i told her that i dont have any more money so i invested an extra {$200.00}. The profit will be ready in XXXX XXXX 2022 and that my money will be available for immediate deposit to my bank account. On XX/XX/XXXX. When it was time for me to receive my funds, she texted me and said that i need to pay the XXXX XXXX of the amount of {$1400.00} dollars in other to receive my funds but was never told that at the beginning she said i had to pay the XXXX XXXX once my funds get deposited in to my bank account. Now I sent the {$1400.00} to the company XXXX and then I received another email saying that my money has a transaction fee of {$850.00} to pay in order for me to receive the funding to my account, so I kept talking back and forth with XXXX XXXX XXXX who is supposedly was and is my broker and she says that i need to send the money in order for me to get the funds deposited. So, I never sent the payment and told her that I will file a police report and so on. I file a claim with the FBI internet crime complaint center. I also filed a dispute with my bank, XXXX XXXX XXXX, which has now refused to send me a new debit card, and I am not at home ; we are currently in XXXX for my wife 's XXXX XXXX XXXX that ; she will be starting on XX/XX/XXXX. At the XXXX XXXX. In all they stole from me {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Leachman Law, P.C.
State: CO

Complaint narrative:
In XXXX of XXXX a garnishment was issued by XXXX XXXX for Mark A. Leachman, P.C. collecting on behalf of XXXX XXXX for a loan that was apx. {$400.00}. The garnishment was for {$2100.00} ( 5x the original loan amt. ). 

My checks were garnished from XXXX XXXX to XXXX XXXX of XXXX for a total of {$2100.00}. 

Mark A. Leachman has filed ANOTHER motion to garnish my checks for another {$350.00}. 

I'VE PAID THIS IN-FULL ALREADY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-04 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: OK

Complaint narrative:
In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 1.-XXXX XXXX XXXX XXXX XXXX  OPENED XXXX 2.-XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XXXX 3.- XXXX OPENED ACCOUNT # XXXX OPENED. XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-04 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: OK

Complaint narrative:
In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: AZ

Complaint narrative:
This complaint is being submitted on behalf of XXXX XXXX. 

My client, XXXX XXXX, passed away, intestate in XXXX. She had a reverse mortgage on the home. Her brother XXXX XXXX has been in probate court over the past few months to become her personal representative to settle her estate. XXXX XXXX, XXXX  and XXXX XXXX XXXX have all been informed of the probate court case. XXXX XXXX received approval to settle his sister 's estate on XX/XX/2022. I listed the home for sale on the market on XX/XX/2022. The trustee and lender were informed of these items as well and they still foreclosed on the home on XX/XX/2022. This foreclosure has transferred a significant amount of the family 's inheritance to the real estate investor who purchased the home at the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My previous COMPLAINT Last year I step into BB & T also now known as Truist Bank located XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I originally went there to get a secured credit card without an inquiry the bank provided me with a physical application to fill out which I did before we submitted the application I asked if this is a soft pull or will I receive an inquiry the banker was unable to answer my question she said she will be right back with an answer for me just fully complete the credit card application before she speaks to the branch manager about whether or not I will receive an inquiry or not for applying. She came back with the branch manager and he explained that yes if I proceed with the application there is a credit inquiry. which I declined, left the signed application at the bank, and walked away. I left the next day I received an inquiry on my credit report. 


Truist claims they have on records indicating that they responded to my concerns by telephone on on XX/XX/2022. At that time, I was informed that I gave them a permissible purpose to review your credit which is false! 

Please provide with a copy of these " RECORDS indicating I gave you guys permission

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 2023-01-04 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: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

SXXXX XXXX XXXXXX/XX/XXXX {$3400.00} 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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are accounts on my Equifax credit report that are inaccurate, fraud, and identity theft. 
XXXX. XXXX XXXX XXXX which ended up being a charge off in XX/XX/XXXX. I have never heard of this place, and this is not my debt I have sent multiple letters as well as sent in disputes on this matter. 
XXXX. XXXX XXXX XXXX XXXX ( Closed ) this is marked as a write off which is inaccurate this was paid in full. there was never a write off for the amount of {$340.00} XXXX. There are multiple Inquiries on this account that are not mine I have filed a report with the Federal trade commission, filed disputes, written letters the following Inquiries are identity theft and were not made with my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is also listed that there are several collections on my report. I have contacted these companies all of the listed above and filed disputes, of XXXX. 
The collections listed below XXXX XXXXXXXX XXXX XXXX I have never had any other insurance agency other than XXXX I have filed disputes, written letter, spoken to XXXX XXXX XXXX XXXX. this is not my debt neither is the account for XXXX as previously stated I have only ever used XXXX insurance. I will be filing police report and filing a neither FTC report as well. 
I want these items removed immediately from my report. 
In addition, there are inaccurate names and address and employers on my account i would like all removed but the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: UT

Complaint narrative:
Upon checking my credit report I discovered a debt collection from Penn Credit Corp. for {$160.00}. This was for utility services from XXXX XXXX XXXX XXXX. Someone applied for these services using my name and social security number fraudulently. I contacted the credit company and they sent a bill of collection asking for a police report and documentation that these charges were not mine. This report is one of the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a certified letter to Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 and requested they update my personal information as a precaution to prevent the jeopardizing my identity from credit fraud. Equifax replied via a letter on XX/XX/2022 and the letter stated that they had done an investigation and had concluded that my information was verified. 

That is not what I requested they do. I asked them to remove all old addresses, phone numbers, email addresses and employment information from the credit file and update the credit file with my current address, email and phone number. 

As a consumer, I do know I have the right to request an Equifax update and remove all old and outdated information on the credit file. 

In refusing to consent to my request, they have violated my consumer rights to fair and accurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: FL

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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : 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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: AZ

Complaint narrative:
My rights have been violated in relation to an account on my credit report. 
SELF FINANCIAL/LEAD BA XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted or updated to paid satisfactorily.

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a relationship with Capital One for several years, including their 360 Checking Account service, for which my primary use was depositing money from my XXXX  account ( XXXX XXXX ) and paying off credit cards across different banks. 

My source of income is working as a XXXX XXXX  residing at the time in XXXX XXXX for XXXX. 

In XX/XX/XXXX I received a XXXX payment in the amount of {$50.00} from XXXX XXXX. This payment was in exchange of a service using the XXXX platform from XXXX. In the same month I receive additional 4 payments using the service. All individuals I am not acquainted with, yet for which I provided in lue payment. 

On XX/XX/XXXX, Capital One unilaterally reversed the payment from XXXX XXXX without any written notification or explanation. At the same time freezing my account and my ability to withdraw funds. After reaching out to customer support I was told the account is under investigation due to fraud, without any disclosure of further details. 

From XXXX, XXXX until XX/XX/XXXX I have constantly reach out to support and their customer protection department, where my account was being investigated. There has not been any information provided, nor of the nature of the investigation, nor I have been questioned or asked to provided any information on the account. The only thing I was told was the bank decided to close my account, and the funds will be deposited into my account on file with the bank XXXX. 

On XX/XX/XXXX, the account had a balance of {$5600.00} and a withdraw transaction with the totally took place by the bank. After reaching out again to the bank, their only answer has been that I the account has been closed since XX/XX/XXXX and I won't be receiving the funds ( the funds had not been sent to my account, nor a check issued with the balance ). 

Transactions : XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$50.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$100.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$4.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX XXXX, {$100.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$160.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX Reversal Effective : XX/XX/XXXX XX/XX/XXXX, Withdrawal, Electronic Transfer, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: WV

Complaint narrative:
I checked my credit score and saw that I have a collection for XXXX XXXX utility company for {$290.00}. The account was apparently opened on XX/XX/XXXX in XXXX TX under my maiden name. I have not used my maiden name since XXXX and I have never lived in Texas. I spoke with the collection agency, XXXX XXXX XXXX, and explained the situation. I was told to file a report with the FTC and to file a police report and to email both reports to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated

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