vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc.
State: IL

Complaint narrative:
I had a credit builder account through self financial online and successfully paid it off to term. Through the loan process I used the balance of the money I had paid in ( {$1500.00} ) to place a deposit on their secured visa credit card. When the loan was finished and it was time for me to open another loan I didnt submit my ID verification documents snd ghe account and credit card account were closed on XX/XX/2023. The bank statements for XXXX and XXXX of 2023 state I am to be issued a refund of my deposit {$1500.00} and I have called this company 4-5 times and asked when I will be getting my deposit/payout sent to my account and they first said I needed to submit identification verification documents which I did promptly. That was back in the last week of XXXX of this year. Every other time I call and complain they tell me the escalation department will email me concerning the issue but they never do! And finally after the last call and request for information they sent me an email stating that they were not obligated to give me any time frame in which my money will be returned to me and thats a bunch of XXXX! Can you please help me get my deposit released and deposited into my account? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Last year I lost my social security card, suffered identity theft, money was stolen from my bank account, unauthorized charges appear on 2 of my credit cards, 4 hard inquirys I never asked, card was opened fraudulently, they tried to steal my tax return and took out loans in my name, now a collection for a card I've never seen in my life XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: NY

Complaint narrative:
I am a natural person, I am a living human being, I have the right under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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 2023-06-26 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have tried to tell the bank that I was wrongfully charged for a wrong item with XXXX from the merchant XXXX. The bank is unable to resolve my issues

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 2023-06-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX is throwing out my dispute paperwork, and refusing to remove negative items from my credit report also the company is giving me a hard time with investigating negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
Been using cash app for years but after allowing my mobile wallet to stack up over a week and to be {$960.00} and then transferred, it froze. The app was still allowing me to receive payments from friends and family but when I went to go make a transfer to a friend on Friday it got denied. I proceeded to try all avenues of transferring to my bank account, other friends, having them getting refunded, I even used the Mobile card on other sites for a transaction and tried to purchase stocks - - all denied. Customers support was no help as they only offered me troubleshooting advice such as good Wi-Fi. After speaking with a representative on the phone they told me a specialist would reach out to my email. After no resolution and dead ends through all points of contact they ended the chat because they had no other support to give. They even suggested it was something on my bank end and after I called my bank they said there were no red flags or any alerts on my bank account. No feature within the app works for me but of course they're still accepting payments from any family member or friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-06-26 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: MD

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. 

As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. 

Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have applied to receive PSLF since XXXX of XXXX. In XXXX of XXXX I was notified by Mohela that I had reached over XXXX eligible payments and the expected date of forgiveness was not provided. I was told that by letter and over the phone that it would take up to XXXX more days for my loan forgiveness to be processed. From that point on all information given between Mohela and the FSA is vague and I am not provided with any updates and when I ask when exactly my loan was sent to FSA for discharge every customer service representative says that they do not have that information. Therefore I have no specific updates on loan forgiveness standing-they just say to be patient. The last call I made I was told that I made in XX/XX/XXXX they said I may receive an update by XXXX XXXX. That did not occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth third bank has a non profit account in which I was assured would not have service fees as it is a non-profit account for XXXX XXXX XXXX XXXX. This account was to never have service fees for any reason per the sales person at XXXX. Starting XXXX of XXXX  this account starting accruing a service fee of {$25.00} a month. This was not discovered until a non sufficient notice-because of service fees-was sent. Upon making the bank aware of this they reimbursed only 5 service fees of 20 that should have been returned. The response from the bank was that they could only go back 5 months. No reason only could go back 5 months. 2 branch managers and 2 customer service agents would not provide any more feedback or any other reasons for the service fees other than a code showing service fees dropped in error. This is an account for a non profit involving high school students and because of covid this account sat. There was no one checking the account-why would we there was no service fees, right? I have been working with XXXX XXXX XXXX and he has been " helped '' by his manager XXXX XXXX, XXXX. Phone XXXX. I have attached the statement showing the start of the fees and the statement showing only 5 returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Submitting a new complaint with Experian. On XX/XX/2023, I requested the investigation of the inaccurate information in my report regarding ( Bankruptcy XXXX # XXXX ). Within XXXX days Experian responded stating that it was verified through the bankruptcy court. However, they did not supply the requested information as requested for review. 

I have the right to receive the proper documents according to the FCRA on who they spoke with, and the documentation used to verify. 

Its puzzling to me that they are reporting Verified, but I contacted the court system and XXXX XXXX who reported that they do not communicate with credit agencies, and XXXX XXXX reported that the information was inaccurate and deleted the information from the file. 

I have letters from both companies on letterhead. 

So, please provide detailed information on how something that doesnt exist is verified. I NEED ACTUAL PAPERWORK FOR REVIEW, NOT GENERIC RESPONSES.

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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have been getting phones calls from this company Harris and Harris about owning taxes. The issue was the taxes were paid before they ever even tried to contact me. I told them on the first call to send proof of the debt. And to not call this number again. Now I get XXXX calls ever day.They are putting account services as the caller id. They refuse to provide any info, Just demand payment right then. Even threaten to take my house! They have been rude, even when advised the debt is not owed. They were asked for written proof of the debt over 30 days ago. And to dated still have not received it! They have provided false statement and tried to add fees not in our state contract with them! They have threaded to call my work and inform my boss I am committed crimes. They have threaten to take my house, and sue me. Report me to credit to ruin my good credit as the put it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paid {$50.00} to hold a refrigerator via PayPal on XXXX XXXX. When the " seller '' starting asking for more money, we said " no and please refund us our money '' they shut down the account being used and removed themselves from the chat ( I have screenshots of the chat as well as some of the user data before they removed it ). 

I submitted a complaint to PayPal with the same info above, and they responded with " This looks like a normal transaction so we aren't going to do anything. '' The user also removed their profile from PayPal so I can't contact them directly like PayPal directs me to. I'm attempting to escalate the issue via PayPal but don't see where i can do that. 

I guess if it feels like a scam, it is one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
See attached. I am writing to dispute certain inconsistencies and potential Metro 2 violations regarding an account listed on my credit report. 

After recently submitting my 3rd dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. Your company is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: MI

Complaint narrative:
As I educated myself on Fair Credit Reporting Act, I asked XXXX, XXXX, and Equifax several times over the past year or so to reinvestigate these accounts listed below : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting act these reporting 's has violated my federally protected consumer rights to privacy my livelihood and confidentiality under 15 USC 1681 Act. However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is still incorrect. Closed accounts are written off and considered income. Income dose not report I want them removed as well. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. XXXX, Equifax, XXXX did not do so. 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-XXXX ( 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. Certified Mail Receipts XXXX : CR # XXXX CR # XXXX CR # XXXX : ( XXXX ) CR # XXXX CR # XXXX CR # XXXX and many more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 statement date I received my last bill from XXXX XXXX XXXX XXXX in the amount of {$600.00} due XX/XX/2022 for the remaining of my lease that expires XX/XX/2022 at XXXX. I paid the billed amount of {$600.00} plus processing fee of {$3.00} totalling {$610.00} on XX/XX/2022. I know this was the las bill because my rental/lease fee is {$1400.00} plus trash, water, gas, pest control & service fees. I call the leasing office for them to correct the mistake but they just threaten me and hung up on me. I call again after I was made aware of the fees and XXXX stop answering my calls.

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