vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other 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: TX

Complaint narrative:
Columbia Debt Recovery made false statements in response to XXXX complaint. They responded CONSUMER CONFIRMED HE REVEICED OUR PROOF OF DEBT CONSISTING OF THEIR SODA AND LEASE, DISAGREEING WITH IT DOES NOT MEAN IT IS NOT OWED. CONSUMER INFO ALREADY PUT ON CEASE AND DESIST The company has falsely stated that proof of debt was supplied. The information they supplied does not provide proof of debt. I have asked for satisfactory proof of debt but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
FTC IDENTITY THEFT REPORT Attached Equifax is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

I have a Fradulent Account on my Credit Report that must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

EQUIFAX - Fraudulent ACCOUNTS below XXXX XXXX XXXX XXXX ( ORIGINAL XXXX XXXX XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 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 2022-04-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: AR

Complaint narrative:
I don't understand why these inquiries are on my 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 non-monetary relief
Consumer complaint received 2022-04-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, FL XXXX XXXX EXPERIAN XXXX # XXXX WITH MY RIGHTS UNDER CONSUMER PROTECTION LAW AND FRAUD AFFIDAVATE FILLED OUT, I DEMAND THE FOLLOWING INQUIRIED BE DELETED, NO INVESTAGTION IS NEEDED AS NO ACCOUNTS WERE FOUND OPEN, JUST NEED ALL INQUIRIED LISED REMOVED. 

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
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 non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
This credit card is from a U.S.Bank ( Skypass Visa ) affiliated with Korean Air, rewarding mileages and discount on XXXX ticket purchase and VIP lounge passes.

Every year I am supposed to received XXXX Korean Air VIP lounge passes.

However, I have not received anything for the last 3 years. 
On XX/XX/XXXX, I called the US Bank customer service and inquired about the VIP passes.

They simply said they dont know and just wait.

They also said the vip passes are good for one year so they can not send anything for the year XXXX and XXXX. 
They should say they will send me the back order passes XXXX, XXXX and XXXX but they would not help me at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FTC IDENTITY THEFT REPORT Attached Experian is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

3 Fraudulent ACCOUNTS XXXX XXXX XXXX ( Orginal Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Orginal Creditor : XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
One of the companies is Transunion I have never heard of nor have I ever charged anything with this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: TN

Complaint narrative:
This vehicle was repossessed by Global Lending Service in the State of Tennessee on or about, XXXX XXXX, 2019, and resold at an auction Under the laws of the State Tennessee UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I did not receive such notification, but I do know that repossessed vehicles are sold at auctions for what's owed, which exempts me from all contracts. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Upon checking my credit report I noticed a car loan I did not recognize for a vehicle I do not have. I have one vehicle and it is a car and not a truck. This loan has been there since 2019 and I have never once driven said vehicle and only use the one vehicle where the loan and tags are up to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased furniture from XXXX XXXX XXXX and its the credit card issued they said this card would not be charged until o received my product the purchase was made XXXX XXXX with a eta of XXXX it is now XX/XX/XXXX I still have not received the furniture but my card was charged. This is unethical and caused me to lose 30+ point on my credit. After the eta wa a passed the contract became void and this card should not have been charged i reached out to the furniture company because its hard to get in contact with a representative at both places I want this fixed the card was charged XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Giact Systems, LLC
State: FL

Complaint narrative:
On XXXX my sister cashed a federal irs check for {$1200.00} at the XXXX store # XXXX. XXXX, Florida location. She not only falsified and filed my federal income tax return but cashed the check using a service called GI Act. I learned this from XXXX XXXX XXXX. Ive never heard of GI Act, and plan to complete their complaint form as to how they claim to be experts at detecting fraud but allowed my sister, XXXX XXXX XXXX DOB XXXX, to commit federal crimes against me and against the federal government. I worked at a bank for 9 years and know the criteria for cashing checks and I also worked at XXXX. I would like an explanation from GI Act and have them be responsible for allowing fraud to occur using my credentials. This is not an isolated incident with my sister filing falsified federal income tax returns during the pandemic. Shes filed four total, each refund was for {$1200.00}. Thats {$4800.00} stolen from our government and from me. Im not okay with GI Act representing themselves as if they are linked to the federal government by the misrepresentation of their name. They are experts in allowing people to commit crimes by NOT doing any kind of verification because if they did, they would have known XXXX XXXXXXXX XXXX my sister is barely 5 feet. My sister is the ultimate criminal no doubt but who is GI Act for contributing to her crimes and misrepresenting themselves as actually being legitimate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FTC IDENTITY THEFT REPORT Attached Experian is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Fraudulent INQUIRIES XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2022-04-03 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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
This credit card is from a U.S.Bank ( Skypass Visa ) affiliated with XXXX XXXX, rewarding mileages and discount on XXXX ticket purchase and VIP lounge passes. 
Every year I am supposed to received two XXXX XXXX VIP lounge passes. 
However, I have not received anything for the last 3 years. 
On XX/XX/XXXX, I called the US Bank customer service and inquired about the VIP passes. 
They simply said they dont know and just wait. 
They also said the vip passes are good for one year so they can not send anything for the year XXXX and XXXX. 
They should say they will send me the back order passes XXXX, XXXX and XXXX but they would not help me at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Penn Credit Corporation
State: VA

Complaint narrative:
I have been harassed by Penn credit corporatatuon for a debt I dont owe on. Im called almost every single day being told that I need to XXXX Pay or else! Ive asked for statements and they wont give me 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 2022-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I am locked out of my Coinbase account and having trouble verifying my identity. They will not work with me to verify my identity through documentation. For health reasons, I am unable to go and get an ID card from the DMV, but they will not allow other forms of identification despite the following in their Terms of Service : " The information we request may include certain personal information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, a government identification, and information regarding your bank account ( such as the name of the bank, the account type, routing number, and account number ) and in some cases ( where permitted by law ), special categories of personal data, such as your biometric information. '' I have offered to provide taxpayer identification, email communications, bank statements, account numbers, social security number, etc. but they will not accept those and insist on only accepting the one thing which I can not obtain. In addition, they have on file an old identification card of mine and they also refuse photographic proof of identity. I just want to get back into my account and remove my funds. They are rude and unaccommodating to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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:
FTC IDENTITY THEFT REPORT Attached Transunion is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX Fraudulent ACCOUNTS XXXX XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX ORGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ACCOUNT NUMBER XXXX, Original Creditor XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2022-04-03 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: CO

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation