vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as it was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015.

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 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: UT

Complaint narrative:
I was attempting to sell an item on XXXX XXXX, listed at {$150.00}. Someone inquired me about purchasing it, but it turns out they were a scammer. They tricked me, using the Zelle app as the mode of payment into giving them {$150.00} for them to pocket, then deleted their account and our messages. The bank confirmed it was fraud but could not find anyway to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: KY

Complaint narrative:
I demand a Line By Line ReInvestigation of the accounts listed below because with the obvious errors on these accounts, a Proper Investigation could not have been conducted In Accordance With ( XXXX ) the Fair Credit Reporting Act. Now is not the time for Updates or Verifications because you've already done that, and my accounts are Still Inaccurate. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Inquiry : XXXX XXXX XXXX XXXX XXXX. Incorrect Accounts : XXXX Account # xxxxxxxxx XXXX, XXXX XXXX Account # xxxxxxxxx XXXX, XXXX XXXX  Account # xxxxxxxxx XXXX, XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX, XXXX BANK Account # xxxxxxxxxxxx XXXX, XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account # xxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, XXXX - XXXX XXXX Account # xxxxxxxxxx XXXX. My rights have been violated in several ways, and yet there has been no resolution. 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. I never gave written instructions. 15 U.S.C. Code 1692b States that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to so by such person ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol or any envelope or in the contents of any communications effected by the mails or telegram that You should not be reporting Inaccurate information on my credit reports because it is a violation of my federally protected rights. U.S.C. 1681a-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. This information is Not 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 non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I was sued by a XXXX, XXXX, and XXXX XXXX. 
I started making the settled payment arrangement amount {$150.00} a month, then I was laid off from my job, I contacted the office and was able to speak with someone and they asked how much I could pay right then and I told them that I could only pay {$75.00}. They was able to accept that amount and I was told to email a copy of termination letter from my job. I called the office several and was unable to get through because their phones were experiencing system problems. I have notes of dates and times that I've constantly tried to reach out to them. No one answered my emails. I received a threatening subpoena letter from them a few days ago, threatening to arrest me if I don't fill out a form with my bank account number. This is a collection agency and they're portraying as if they're attorneys at law. 
Please help me in directing me on how to handle this situation. 
I'm being treated unfairly as if I never tried reaching out to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/XXXX, with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the accounts I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}

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 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal. 

I have contacted paypal over 3 times by phone and over XXXX times by message. I am unable to purchase things with my credit cards through paypal. XXXX has been completely unhelpful. Attached are screenshots of proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 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: NJ

Complaint narrative:
These inquiries are unauthorized : 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 2022-09-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I began to work on my credit file last year when I noticed that several accounts were reporting negatively that I had no knowledge of. While I was able to rectify most of the accounts, one remains, which is the account reporting from Navy Federal. At the time this account was opened, I was federally incarcerated. It was clearly a case of identity theft. I provided not only the credit bureaus, but Navy Federal with a signed FTC fraud affidavit, an affidavit they required for their bank, my incarceration records, and a police report. 

It was not possible for me to apply for credit. I have tried without avail and demand that not only the credit bureau, but also Navy Federal remove this information as this is causing me great financial harm as I try to rebuild my life and future. Both are in violation of SEVERAL laws in regards to credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Dividend Finance Inc.
State: GA

Complaint narrative:
My solar loan is through Dividend Financial, sold by XXXX XXXX XXXX XXXX XXXX and after signing the contract we found out that we were overcharged on our system by {$25000.00} and Dividend Financial approved the loan amount knowing the system size and capacity. XXXX XXXX sold fraudulent systems that don't work and are undersized saying it would cover our needs, they did this to thousands of customers, only to find out the system doesn't do what promised and they also missed many disclosures in my contract. Dividend Finance allowed them to bill me for a system that wasn't even approved by the power company or hooked up, and began making me make payments on a system I could not use. I began that issue with Dividend Financial on XX/XX/XXXX, XXXX Dividend Financial did nothing, only expected their payment even after I told them the system wasn't installed all the way. XXXX XXXX just up and closed their doors on XX/XX/22 so all their customer contracts have become null and void, workmanship warranty, material warranties, everything gone with no recourse. It was found out that XXXX XXXX 's sales staff wasn't properly licensed in several states and I have a screen shot of their software showing how much they overcharged customers so Dividend Financial would approve the loan, documents were falsified and Dividend Financial takes no responsibility for not protecting the customer, as a matter of fact they steal the XXXX XXXX XXXX XXXX the customer is supposed to get by overcharging the sale and tying the XXXX XXXX to the loan to pay it down in 18 months, but in my case and many like me it takes XXXX years to aquire that credit. Dividend Financial needs to take responsibility for their part in supporting the fraud that XXXX XXXX participated in because they should only be backing loans for what the product is actually worth being they use an XXXX XXXX lein on the property, which means I can't sell my house without paying off this {$69000.00} debt. I feel Dividend Financial needs to be held accountable for joining XXXX XXXX in FRAUD and writing PREDITORY LOANS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased {$3500.00} worth of {$100.00} XXXX and {$100.00} XXXX gift cards. At the time of purchase XXXX, {$100.00} XXXX and {$100.00} XXXX gift cards were not activated at purchase but I was charged for them plus {$5.00} per card for activation. I asked the assistant XXXX XXXX for a refund and he said all gift card sales are final. He refused to issue a refund and said someone would call me tomorrow, Monday XX/XX/XXXX, no one called me. He refused to issue a refund. He suggested I call Home Depot Credit Services and request them to activate the cards. I spent an hour on the phone with XXXX from the gift card services on XX/XX/XXXX because XX/XX/XXXX was a Sunday and they were closed. XXXX the representative had me read each card to her, I did. XXXX gift cards. Then she said she could not activate them over the phone and to call XXXX and XXXX and ask them to do it since the store would not and she could not either. XXXX said someone would call me on Monday XX/XX/XXXX and no one called me so I then called and asked the XXXX on duty XXXX when the store XXXX XXXX would be there. XXXX is the store XXXX. She said she would call me back and did on XX/XX/XXXX. XXXX said to come in and speak to XXXX on Tuesday XX/XX/XXXX. XXXX tried called gift card department and was hung up on. I tried called as well and as hung up on. Each time I called Home Depot credit services I was hung up on. I dont know what happened but this is a grave injustice and greatly frustrating for someone to keep hanging up on me. I have XXXX, {$100.00} Visa and {$100.00} XXXX gift cards that are not activated, that I was charged for and I can not use them. I then called and got a hold of XXXX that filed the dispute for {$1300.00}. I received a letter from XXXX XXXX and was told the dispute had been filed. I sent a fax on XX/XX/XXXX and was told to contact the store manager for a credit on my account. The manager is the one that told me to file a dispute. I called on XX/XX/XXXX and verified with XXXX that the fax had been received with the activations of the cards that were declined, decline code XXXX. Now the store is hanging up on me again. I do not know what else to do. I disputed part of the amount because I have these XXXX, {$100.00} visa and master card gift cards that I can not use because XXXX XXXX did not activate them when I purchased them. It is not fair, I should not be charged and I want a credit on my account for the full amount asap. I shouldnt have to file a dispute or even be hung up on repeatedly or even have to file a complaint with the CFPB for a resolution. This is so disrespectful. Please help me resolve this. Thank you.

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 2022-09-23 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: GOLDEN 1 CREDIT UNION, THE
State: GA

Complaint narrative:
My account at Golden One credit union was overdrawn by about XXXX dollars including their fees. It took me time to pay it off but they promised to remove my delinquency from XXXX XXXX 30 days after the payment. They still have yet to remove my account from XXXX XXXX after payment and Ive been denied opening up a new bank account with XXXX XXXX XXXX because of their negligence in removing my account as promised.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I have had fraud on my Avant credit card XXXX, issued by XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a XXXX name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. XXXX has lied saying she has tried to call me and she has not. I will be happy to provide my phone report showing calls in and out. You will see my repeated calls to her and no reply!! They gave credit and emailed me saying stating the credit totaling {$1500.00} that was posted to your account on XX/XX/2022, was considered final and would be closing your file '', then they took that credit back even after saying it was approved and final after initially saying it was final and my case was closed and I wasn't being held responsible, now because my car was broken into they are taking back the credit they originally gave me and said was final. They are also denying the new claim, corrected police was emailed to them on XX/XX/2022 to XXXX and I asked to confirm receipt of my email and they never replied or confirmed. I emailed again and included the avant claims email address, customer service email and support emails, asking for same, funny enough customer service and support confirmed receipt of the information but not the avant claims email. Not XXXX my emails were rejected or returned so I know my emails went through. I have all emails and correspondence for proof as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NJ

Complaint narrative:
These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These inquiries are unauthorized : 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