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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I received an email from the Coinbase KYC team on XXXX XXXX requesting due diligence information and threatening to close my account if I did not reply. I contacted their Support team on the XXXX, and asked if the KYC request was a valid request from Coinbase. They confirmed the request, and I followed up with the KYC team, provided my w2 and answers to their questionnaire. They followed up the next day and asked me for the exact same information in an email that was formatted slightly differently. I replied and said they had already received my information and asked why they were sending this a second time. They did not answer that question. 

They then sent me a third request with the exact same questions on XXXX XXXX. It was as if they read my attachment and completely ignored the responses I submitted. Frustrated with their email and concerned that I would lose access to my account, I asked to be put in touch with a manager by XXXX, the XXXX, and informed them that if I did not have a reply by Friday afternoon, I would proceed with a complaint to the CFPB. The KYC team 's reply was some copy and pasted response about regulation and security and did not address my request to be contacted by a Compliance Manager.

I reiterated my request to be put in touch with a manager by XXXXXXXX. It is now XXXX, and I have not been contacted by anyone other than the KYC team. 

Considering that I have been threatened with the closure of my account I find it highly inappropriate that no attempt was made by Coinbase to escalate my complaint or even address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IA

Complaint narrative:
Sallie Mae XXXX XXXX loans taken out in 2016. Total amount of all 4 loans is around XXXX. I can not afford the payment of over XXXX per month ( since I graduated ) and I am and was considered XXXX. I believe I was on XXXX when I took out the loans. I have tried twice to file a XXXX discharge for the private loans. I had a federal XXXX discharge prior to taking out these private loans so that I could finish school. They will not discharge the loans because I am working part time ( even though I earn under the allowed amount by Social Security. ) I am now 17 days behind on my payment this month and they are calling me 4-5 times per day and demanding not only THIS months payments but NEXT months ... .I need help. This is discouraging. I am doing the best I can ....

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : The XXXX XXXX / XXXX Account number : XXXX *** XXXX XXXX Account number : XXXX Experian : XXXX XXXXXXXX XXXX XXXX Account number XXXX *** Experian XXXX Account number:XXXX 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 my account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting 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 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: AL

Complaint narrative:
New inquires just recently popped up on my account that i am unaware of, they are as followed : 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2022 I recieved an correspondance that was submitted to the consumer Financial credit beuerer CFPB # XXXX XXXX XXXX submitted a fradulent letter stating that they conducted an ivestigation how ever in their correspondence the aknowledged that thhey could not verify the information without verberly speaking to me they did not verify because the bankruptcy that is on my credit report is unverifiable they have a fedarl obligation under the statue to delete this information permentky XXXX XXXX knownkly and intentionally sold un verifiable information to XXXX XXXX and transunion more speciffically under 15 USC 1681 a states Accuarcy and fairnes of credit reporting. The congress makes the folowing findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy. Also under 15 U.S.C 1681 b the law is very clear that XXXX XXXX is violationg m consumer rights and violating the fair credit reporting act as follows In response to the order of a court having jurisdiction to issue such a federal grand jury. In accordance with the written instructions of the consumer to whom it relates. At no time have ive given consent to XXXXXXXX XXXX XXXX to sell my private information more specifically it is not verified by there own emmission.

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 — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Debt collection company continuous report/ increase my debt to credit bureau monthly by a {$1.00} to damage my credit. I believe its predatory collection practices and need to stop.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one has charged off an alleged debt they claim I owe which they received a tax deduction for. They are now double dipping by and violating my consumer rights by pursuing unlawful legal actions for the alleged amount of {$2000.00}. They also sold the alleged debt to a debt collector firm XXXX XXXXXXXX XXXX XXXX, who is also falsely misrepresenting themselves as an attorney for Capital one. When they have stated they are debt collectors multiple times.These false claims are violations of FDCPA, FCRA, GRAMM LEACH BLILEY ACT, & FLASE CLAIMS ACT against the United States.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I do not recognize the inquiries on my credit report. An I would like for them to be Deleted asap. Cause its hinging my credit and my life

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 2022-09-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 2022-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
CFPB + Columbia Debt Recovery LLC, dba Genesis, On a recent review of emails - I received an email from this collection agency listed above - I owe a debt that is unfamiliar to me. 

attached to this complaint are : - copy of my drivers license for ID as well as address - copy of my written complaint I am requesting this debt to be validated - and if not mine, removed from all credit reports, stop all collection tactics, and end collections.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX account number:XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after. 

All accounts in dispute listed below.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX account numberXXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after. 

All accounts in dispute listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: GA

Complaint narrative:
I reset my password on Square Point of Sale. Invoice payment paid XX/XX/2022. I opted for instant transfer. Square fees, initially {$9.00}, which left my balance at {$290.00}. Another option added, adding more fees for the advertised " Instant Transfer '' to {$280.00}. When I click on the option to transfer, my funds are not available, suspended by Square. Several calls to Square customer service since XXXX, which is the time advertised. Actual time Square take calls, told to me by a Square representative, XXXX. Once I finally spoke with a representative and requested to speak to a Supervisor, the representative didn't know her job description, yet she speaks on " behalf of a Supervisor, puts me on hold, " allegedly to transfer me to a Supervisor, didn't happen, I received a " Text message ''. I was told I have to wait " 4 '' days for access to my funds. My account has been verified on my XXXX XXXX, yet Square holding my funds. I have my screenshots as proof. From the last screenshot, my money want be available for 6 days, XX/XX/2022. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I have a mortgage thru Pennymac. Back in XXXX thru XXXX I paid them on time and correctly thru wireless transfer from my bank to their account. They applied my payments to the wrong account. After I proved to them that I paired them and to the correct account they credited my account with the payments. I had to send them Notice of Error and Request of Information letters to get the problem fixed. They would not assist me over the phone.

My payments went as planned for two months and now the last two months payments XXXX and XXXX have not been applied to my account even tho I paid them thru wireless transfer. I have written another set of Notice of Error letters and Request of Information with no resolution yet. I am still getting phone calls and letters from Pennymac about being 2 months behind on payments even tho I have statements from my bank that I sent to them showing I paid in full on time.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX continues to report information on my credit report that is over 7 years old and incorrect. This information is incorrect. They are in violation of the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
New inquires just recently popped up on my account that i am unaware of, they are as followed : 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 2022-09-23 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: AL

Complaint narrative:
New inquires just recently popped up on my account that i am unaware of, they are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation