vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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:
My bank statement shows money that was sent to my cash app that never came to my cash app account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed an unauthorized inquires on my credit report. This occurred on XX/XX/XXXX andXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Disputed an unauthorized transactionthey legally have up to 10 business days to give me a response or issue a provisional credit to my accountthat has not been donethey have been contacted multiple times. This is an issue with venmo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PR

Complaint narrative:
XXXX collection they put this amunt in my credit report XXXX Never Ever owen Money a this accunt National credit System When i need yo be remove this negativo the my credit report soon

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2023 a purchase was made at XXXX # XXXX for $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/2023 a purchase was made at XXXX XXXX XXXX for {$10000.00}. 
On XX/XX/2023 a purchase was made at XXXX XXXX XXXX for {$2000.00}. 
On XX/XX/2023 a purchase was made at XXXX XXXX XXXX for {$3000.00}. 
In all {$15000.00} was stolen from my card. 

Navy Federal did not refund any purchases that were disputed on this card. They denied my request twice. Only thing they did was sent me a new credit card.

I have two credit cards that I use for purchases, and both are used for small purchases. I don't usually check my credit card account because I don't use it often unless I am making a small purchase. I submitted my claims late because one day I decided to check my statements and noticed transactions I did not make. With my own investigation, my ex-business partner is the person who stole my information from my card and made purchases to himself. He also made transactions on my debit card without my permission. Navy Federal accepted the dispute on my debit card and refunded the money. I contacted the police department, and they sent an officer to my home. We talked about what transpired and he recommended me to file the dispute with my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint narrative:
Im sending to you to follow up that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing the erroneous inforitems ation which are being posted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I called XXXX to settle a charged off XXXX XXXX credit card account. They informed me I had to call United Collection Bureau as they were handing the account. On XX/XX/XXXX I called United Collection Bureau to settle the XXXX XXXX credit card charged off account. The balance owed was {$3200.00}. I was offered a settlement of a one time payment for {$1700.00}. I accepted the settlement offer and made my payment directly over the phone for {$1700.00} on XX/XX/XXXX. I received a verification letter to my email from United Collection Bureau before I was off of the phone call. On XX/XX/XXXX XXXX reported a payment of {$1700.00} with a balance of {$1400.00} remaining. I disputed this with XXXX on XX/XX/XXXX. I provided the settlement verification letter. This letter includes the account information, original amount owed, the settlement offer, stated that United Credit Bureau was granted the authority to do this and will report it to my creditor, and payment confirmation. OnXX/XX/XXXXwill remain on my credit report as XXXX certified to XXXX the information was accurate and the item was not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I called XXXX to settle a charged off XXXX XXXX credit card account. They informed me I had to call XXXX XXXX XXXX as they were handing the account. On XX/XX/XXXX I called XXXX XXXX XXXX to settle the XXXX XXXX credit card charged off account. The balance owed was {$3200.00}. I was offered a settlement of a one time payment for {$1700.00}. I accepted the settlement offer and made my payment directly over the phone for {$1700.00} on XX/XX/XXXX I received a verification letter to my email from XXXX XXXX XXXX before I was off of the phone call. On XX/XX/XXXX XXXX reported a payment of {$1700.00} with a balance of {$1400.00} remaining. I disputed this with Experian on XX/XX/XXXX. I provided the settlement verification letter. This letter includes the account information, original amount owed, the settlement offer, stated that XXXX XX/XX/XXXXwas granted the authority to do this and will report it to my creditor, and payment confirmation. On XX/XX/XXXX will remain on my credit report as XXXX certified to Experian the information was accurate and the item was not changed.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I opened an installment loan with Sunloan Company. On XX/XX/XXXX Sunloan company pulled a hard inquiry of my credit report. I did not authorize this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
attachments below They collected my {$600.00} deposit, when they should have just took either {$83.00} or {$160.00} due to late notice of XXXX day move-out notice. 

The monthly rent was for {$2400.00} which is {$80.00} a day and if we gave them a XXXX day late notice, they should had collected {$160.00} at the most and not collected by full deposit. But anyway, I'm not claiming that back, as long as they remove my collection, I'LL be satisfied. 

My other complaints are attached on the document below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I paid the statement bal in full yet XXXX XXXX XXXXBank of America keeps billing me and I want this billing to be removed from my credit report and zeroed out. 

Account Number : XXXX Due Date : XX/XX/2023 Total Minimum Payment Due : {$71.00} Statement Balance : {$150.00} Bank of America XXXX R ) Transfer Hi, XXXX XXXX we've received your credit card payment Payment : {$150.00} To : XXXX XXXX XXXX XXXX XXXX in - XXXX Date posted : XX/XX/2XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX and transunion are in major legal trouble for the act of identity theft by reporting inaccurate and non public information In accordance 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history negative remarks on my credit report which discusses my experience with a creditor just under that Truth XXXX, XXXX and transunion is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. I am giving XXXX, XXXX and transunion 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  will be my direct proof of claim to take Bureaus to arbitration as all accounts report transactions history

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, equifax and XXXX are in major legal trouble for the act of identity theft by reporting inaccurate and non public information In accordance 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history negative remarks on my credit report which discusses my experience with a creditor just under that Truth equifax, XXXX and XXXX is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. I am giving Equifax, XXXX and XXXX 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be my direct proof of claim to take Bureaus to arbitration as all accounts report transactions history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LAW OFFICE OF HALL AND ASSOCIATES
State: GA

Complaint narrative:
This debt was filled XX/XX/year> at XXXX XXXX XXXX for the amount of {$1700.00} Filing number XXXX by Hall and Associates XXXX, # XXXX XXXX XXXX This debt is over 10 years old and has expired According to the Tennessee law they can't continue to resolve the debt from me. I was like to get a letter from Hall and Associates that my debt has been released and that I no longer owe this debt of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint on Marcus by Goldman Sachs XXXX for freezing my account and not letting me withdraw my money. 

I tried to withdraw my money from my account at Marcus by Goldman Sachs at XX/XX/XXXX. They blocked the withdrawal without letting me know the reason. They also froze my account, so I am not able to withdraw my money. 

Over the past three weeks, I called them around 8 times to resolve this issue. At the first and second call they said that they could not do anything over the phone ( which is all they have, they don't have physical branches or even emails ), because they were not able to verify my identity in their system. At the they promised that someone would call me back in 1-3 business days to, but they never. 

At around the 4th or 5th call ( XXXX XX/XX/XXXX, one of the agent was named XXXX ), they said that they would mail me an Affidavit of Identity. A supervisor named XXXX promised that she would send me that form the next day, and that I would get the form in 7-10 business days. But when I called back on XX/XX/XXXX, she never did. The agent promised that she will get the Affidavit of Identity sent out the next day ( and have somebody called me when it gets sent ). Not hearing back after a few days, I called back on XX/XX/XXXX, and it turns out they never mailed it. An agent named XXXX said that I should be getting the form in 7-10 business days. But after having being told that for so many times, I have lost all confidence in them keeping their promises. 

Marcus is just purposely preventing me to withdraw my own money there, in the name of security and authentication. It has almost been a month, and they have still yet to send out a simple Affidavit of Identity for me to fill out. And that is despite I called them over and over again. They did absolutely nothing concrete about this apart from saying vague words " creating a case '', " making a note to expedite this ''. 

Looking around the internet, I realized that Marcus is notorious for holding up their client 's money using similar excuses. ( https : XXXX ). 

At this point, I am totally fed up with them. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This company has been contacting me via text and also furnishing false information to my credit report. This has stopped me from being approved for first time home buyer program. I have contacted the company several times and they will not reply. I am not liable for this debt of {$5200.00} with AWA COLLECTIONSXXXX XXXX XXXX account number XXXX I do not have a contract for funding or services, they did not provide me with the original contract with my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-17 00:00:00
Product: Credit reporting 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im sending to you to follow up that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing the erroneous inforitems ation which are being posted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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