vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I Sent a letter to Transunion on XX/XX/XXXX and Transunion received it on XX/XX/XXXX via certified mail. 

According to The Fair Credit Reporting Act, Transunion has never gotten any written permission from me, the consumer, the natural person pursuant to 15 USC 1681b ( 2 ) stating in accordance with the written instruction of the consumer to whom it relates.

Transunion doesn't have a document or anything with my signature giving them the right to furnish things on my consumer report, I've given them 30 days but in all reality, it shouldn't take them that long, i want this account removed Immediately U.S. Dept Of Vets Affair Account # XXXX Also stated how they violated my privacy, by exchanging my information for years. 

They either Don't respect the FCRA or They failed to educate themselves, They basically are reporting things for money with no respect, privacy and fairness to the consumer.

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 2021-09-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On my Experian credit report, I have a paid charge off. The first negative reporting on this debt dates back to XX/XX/XXXX. According to the Fair Credit Reporting Act, negative reportings can only report for a maximum of 7 years. These debts should have been automatically removed XX/XX/XXXX. 

XXXX certified mail, on XX/XX/XXXX, I opened a dispute with Experian to request the removal of this debt. 30 days have passed and there is no response received from Experian.

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 2021-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I file bankruptcy in XXXX # XXXX I had my bankruptcy dismissed. I disputed this bankruptcy with XXXX, XXXX, and XXXX XXXX XXXX. XXXX took it off my credit report by the XXXX of XXXX. I check my credit report again and it's back on my credit report by Credit Acceptance which I paid off through a collection Agency. I am trying to clean my credit to be able to someday purchase a new home or another car. Any assistance from the CFPB is appreciated.

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have written Transunion three times requesting a late reported is inaccurate. They responded one time. Did not respond at all the second or third time. Nor did they correct the error. 

The error in question is XXXX  XXXX XXXX XXXX XXXX with a late reported XX/XX/2020. This is inaccurate and was verified as inaccurate by the creditor. 

I also asked them to correct the spelling of my middle name. They will not. 

My name is 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 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have attempted multiple times since 2018 to have AWA Collections vaildate this debt they claim I owe. Each time, the collection agency failed to provide me with validation for the debt. They continue to send me a bill from the orignal creditor stating this is their proof that it is my debt that I owe. No other supporting documents to prove this is my debt such as any documentation bearing my signature. 

Additionally, the letter they continue to send me that they claim is my deby, states that the charges owed total {$370.00} ( {$290.00} principal, {$76.00} interest ), and that an itemization of these said charges totalling this amount are attached. The itemization within these documents on the medical bill they continue to send me does not total {$370.00}. Rather, the itemization wihtin these documents clearly show a total of {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: NV

Complaint narrative:
All amounts rounded to whole dollars. All dates 2021. In XXXX, XXXX overcharged my credit card {$18.00}. I authorized {$73.00}. They billed {$91.00} without authorization. They did the same thing in XXXX. XXXX. I closed my account XX/XX/XXXX and owe {$17.00} for 7 days. XXXX. XXXX owes me {$19.00}. They told XXXX XXXX XXXX That I owe {$100.00}. I dont care about the {$19.00}, but want them to correct what they told the debt collector and make it clear I owe nothing. Are you able and willing to help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
To describe what happened I will state that I was discriminated against quite repetitively by multiple representatives of " Coinbase ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: TX

Complaint narrative:
The collection company never sent me a notice that they had the account as required within five days of them receiving the alleged debt. I found out the amount by pulling my credit report two YEARS later. On XX/XX/XXXX I was seen at the emergency room of XXXX XXXX XXXX in XXXX XXXX, CA. I never received an invoice from XXXX. They turned my account over to Progressive Management Systems for collection. XXXX XXXX NEVER sent me anything, just reported my account to the three collection agencies. On XX/XX/XXXX I sent a payment for delete letter, which has been ignored.

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 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I created a cash app account probably 10 years ago. It didnt work great for my needs so I havent used it for a long time. 

my email account is tied to that account. 

here we are 10 years later and I would like to access the account because my XXXX  friends use it and want me to use that app as well. Although I use the same email address I no longer have the same phone number, I no longer live in the same place, and I no longer have the same bank account that I had when I created the app. 

The only identifying information they asked was for my bank account number, which was closed years ago when I moved. 

The company has no other way to confirm that I am the owner of the account. This is fine with me and I told them they could just delete the entire account and I would be satisfied. I can open a new account using just my phone number. 

To be clear, I feel unsafe having an account with my email address that I can not access because if one of my XXXX  tries to send me money and sends it to my email address it will end up in a place where I can not access it. If I create another account using my phone number which I have done, my friends might get confused if they are supposed to use my phone or my email. ( This has happened before ) I would feel much safer if I could delete the Account attached to my email but Cash will not help. 

when I explained all of this to the help desk at cash app they repeatedly give me only this answer : Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. 

anytime I try to reach out to them they just continue to give me the same response : Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent two letters to MIDLAND CREDIT MANAGEMENT which is reporting a debt on each of three my credit reports, asking them to verify or validate that this debt belongs to me which they DID NOT respond to. I have filed multiple dispute letters : 2 Dispute Letters to XXXX, 3 Dispute Letters to XXXX, and 3 Dispute Letters to XXXX, and NONE of these 4 companies have provided any documentation proving that this debt belongs to me. This is a clear VIOLATION of the FCRA. Any information that can not be properly verified, MUST BE DELETED/REMOVED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I, XXXX XXXX, am a consumer pursuant to 15 usc 1692a ( 3 ).

SANTANDER CONSUMER USA is a debt collector pursuant to 15 usc 1692a ( 3 ). SANTANDER CONSUMER USA keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ).

SANTANDER CONSUMER USA placed a lien on my vehicle without disclosing the name and address of the original creditor on any of the statements.

SANTANDER CONSUMER USA failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ).

SANTANDER CONSUMER USA made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ).

SANTANDER CONSUMER USA have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ).

SANTANDER CONSUMER USA willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish.

SANTANDER CONSUMER USA is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ).

False or Misleading Representation by SANTANDER CONSUMER USA pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt and that any information obtained will be used for that purpose.

SANTANDER CONSUMER USA failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I mistakenly missed a payment on my account while I was taking care of an ill parent, I thought I had a handle on all my parents as well as my XXXX parent 's but I missed a payment and it is now showing as 30 days past due and they took the extraordinary step to have it showing on XXXX as not more than 2 months past due. I have struggled for the last 2 decades to repair my credit and this is the only blemish. I have tried multiple times to have HSBC show good faith and assist but they refuse to do so. I have paid off the account but I am not willing at this time to sever my relationship with them.

Please reach out and see if they would be willing to work with me to remove this one issue on my credit. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
Starting summer of 2020 ; I started receiving letters and phone calls from different debt collectors. I told them Ive never owed money to anyone. I pay all my bills. I also stated that Ive never even heard of nor lived at the address tied to the debt. Somehow they have my full name, date of birth, phone number and social security number. After stating this they told me they would make a notation. And I would stop receiving calls and letters ; until they sold debt to another company ; which started the process all over again. The original debt is with dish network. The two current debt collection companies are XXXX XXXX for {$330.00}. And the second is GC Services for {$460.00}. Which are both for the same debt. 
This has been detrimental to my credit score and caused me troubles with other loan approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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 — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
This company CPS in my case which should be investigated for PREDATORY LENDING that is the issue. The response from this company deviates from what the real issue. They sold a Lemon and are still collecting monies from a car that the transmission failed 29 days after I received the car. Not even 2 years after I paid for a transmission for {$3500.00}. The motor fails. There is a real consumer issue with this company that needs to be addressed. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
On XX/XX/2021 I was scammed by an entity posing as XXXX. They sent me notices that my XXXX protection subscription was expiring soon, which is true. The notices had the real XXXX logo and looked real. I clicked a button on the notice to pay and was taken directly to Paypal. After I completed payment, what appeared was a sign that said I had made payment to " XXXX XXXX. '' I contacted XXXX and was told XXXX did NOT send any of the email notices about my subscription expiring ( even though my subscription will be expiring soon ) and the payment did NOT go to XXXX. I contact Paypal within LESS than an hour to tell them I was scammed and a victim of fraud. Paypal told me I had to resolve it with the " seller '' How can you resolve something with an entity with criminal intent that purposely scammed you and took your money? Paypal would NOT do anything to help me. They would NOT stop payment from going through. I asked a number of times and kept getting virtual assistance which denied my requests. They told me I had to file a complaint. I wrote out a complaint and had to give my personal info including name and adress, which I did thinking it was going to Paypal. Instead, Payplay sent that directly to XXXX XXXX. So now not only did they steal my money, now I am in danger of ID theft. Paypal would NOT do anything to help me. They closed my case. Paypal only cares about the money that they receive from processing fees from transactions. They do NOT care about all the people losing money from being scammed on their site. I saw in their " community '' that others have suffered the same fate I have and Paypal does NOT do anything to help people. They do NOT investigate or stop these criminals from continuing to prey on innocent people by using Paypal. So Paypal is complicit in these crimes. This may be the transaction number : XXXX I'm not certain. I made many attempts contacting Paypal, spending several hours online, only getting virtual and automated assistance. It was very exhausting and frustrating. I also believe, because I am a senior citizen, over XXXX years old, this is also elder abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Asset Group LLC
State: TX

Complaint narrative:
On XX/XX/XXXX a company called XXXX XXXX XXXX emailed me regarding an account and it's balance stating they represent a Phoenix Asset Group. They stated they were going to report me to the credit bureaus if I didn't pay them. I replied back immediately letting them know that I send money every month on the XXXX of the month to the original company and the checks are being cashed and not return which means someone is keeping the money. I asked the XXXX company to apply the money to there records and ensure it reflecting the correct amount. They instead sent another email stating the same thing on XX/XX/XXXX and again on XX/XX/XXXX eventhough I just sent them a payment on XX/XX/XXXX via my bank and they accepted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Information was entered wrong on a Transaction history and disputed regarding XXXX XXXX. The credit score fico score was dropped 50 points and a bad report was given, We paid XXXX $ for a monthly report and XXXX $ for 2 more reports and can not get this cleaned up. I feel we have been taken advantage of, and the problem is not going away. I can not load up the data required to clean up the miss-alined reporting. I have called and disputed the history of the information. I have contacted consumer protection at the State of Wisconsin to help us get the correct data on file.

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 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that these unauthorized inquiries had been made

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 2021-09-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).

Company response to consumer: Closed with explanation