vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
MARLETTE funding has responded to CFPB compliant that the inquires that I am disputing were due to me applying for credit 4 times for the 4 inquires through XXXX XXXX and XXXX. I in fact have never applied for credit or a personal loan. MARLETTE funding please provide me documentation of me applying on those dates. 

MARLETTE funding please provide me documentation of the application me giving permissible purpose. If MARLETTE funding can not provide such documentation then MARLETTE funding must delete/ remove inquires off my report. And also a settelement of {$2000.00} for the 4 inquires for the impressible pulls. Or I will sue in federal court for violating FCRA rights and have attorney fees court fees covered by this company. 

I sent in 2 letters through mail and MARLETTE funding hasnt gotten back in my letter through mail. My last letter was sent yesterday regarding the same matter. Still havent received a letter back from MARLETTE funding through mail. If I dont get a letter through mail from MARLETTE funding I will begin the litigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: MO

Complaint narrative:
unauthorized hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
National Credit Audit is reporting a collection account on my reports that I have reached out to them for directly. 

I tracked my dispute and it shows that it was delivered. However I have never received a response. 

It is my right as a consumer to dispute any and all inaccurate information from my credit reports. Per the FCRA in receipt of my dispute the consumer reporting agency must acknowledge and respond to my dispute claim. 

XXXXational Credit Audit is in violation of the law and my right as a consumer concerning this debt and I am requesting that this account is deleted from my reports now!

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 2023-03-09 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-03-09 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
In early XXXX, XXXX I received notice via the US Mail from I.C. System Inc that they are collecting debt owed to XXXX XXXX. They claim that amount past due was {$1000.00}. This is XXXX of many attempts from several collection companies to fraudulently collect funds from me. The first attempt was from XXXX in XXXX, XXXX. They claimed I owed funds to XXXX. I immediately contacted XXXX and was told I did not owe any funds and they had not requested debt collection from XXXX. XXXX assigned to me a complaint reference number XXXX. I later was contacted by XXXX XXXX XXXX saying I owed funds to XXXX / XXXX. I filed a complaint with the office of Indiana Attorney General on XX/XX/XXXX. The XXXX office investigated but XXXX XXXX XXXX did not respond. Then on XX/XX/XXXX I received notice from XXXX ( another debt collection company ) saying I owed {$1000.00} to XXXX XXXX XXXX. So the attempt by I.C. System to fraudulently collect past due funds is the fourth different debt collection company! On XX/XX/XXXX, I sent an email to I.C. System, Inc stating that no funds are due. They did not respond to my email. On XX/XX/XXXX I was notified by XXXX ( credit report XXXX XXXX ) that I.C. System notified XXXX that I owe {$1000.00}. I notified XXXX and they have filed for a dispute investigation of fraud. The case number assigned is XXXX. This issue has progressed over several years and through four debt collection companies, all of which are fraudulent. Thanks for any action you can take to contact this latest company I.C. System, Inc and ask them to cease and desist.

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 2023-03-09 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:
I am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on my credit 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 2023-03-09 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:
I am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
On XX/XX/XXXX Radius Global Solutions called me and stated this was an attempt to collect a debt. I said I don't owe anyone. They said I owed {$750.00} to XXXX XXXX XXXX for charges related to phone number XXXX ( a phone number I have never had in my life ) from XXXX in the year XXXX. I informed them this was incorrect. I never had that phone number and I owed no company any debts and that all of my financial affairs are in order and have been preceeding said dates. They did not listen and proceeded to threaten me with a legal referral and report to the credit agencies. At best they said they would send a letter to XXXX XXXX XXXX stating the customer said the charges were fraud but that I would have to call XXXX XXXX XXXX and work that out with them while they report to my credit. I got upset because these charges are not mine and I'm about to by my dream car in 3 months and I can't have anything hit my credit report so I paid the bill in full and told them I would file a law suite ( which I am ) and I would report them to you. 

This debt is not mine. I do not owe XXXX XXXX XXXX {$750.00} from XXXX  for XXXX. I have never had that number in my life all my phone numbers in North Carolina have all began with area code XXXX. Never once area code XXXX. Never. 

After I paid the bill they did not provide any receipt of the transaction. The only gave me a confirmation number which is XXXX They the acct number was 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 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capital Mitigation Services, LLC
State: MS

Complaint narrative:
Multiple calls to me and call to my former recruiter. XXXX XXXX from Revenue Reporting called and left a message for me on XX/XX/23 and XX/XX/23. I got a call from my ex-recruiter on XXXX saying this person had called him. I returned her call and asked her not to contact my former recruiter as he is just an employee for that company and doesnt operate in a HR or managerial capacity. That this disrupts his work day. I asked her to please mail me all information that explains exactly what she is calling about so I have it in hand. I still do not know. She goes on to say with the nastiest, condescending tone that her IP tracker knows I opened and email she sent and since I asked her to not call my former employer she would submit verification forms for something. Still unsure for what. I then hung up the phone. I felt she was threatening to use my info in some way. Considering her tone, I knew I would not get any helpful info from her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit Systems is reporting an inaccurate collection account on my reports that I have been disputing for some time. 

I sent them a letter requesting validation of debt which I have left the tracking to prove receipt XXXX XXXX XXXX XXXX XXXX. 

In receipt of my dispute they asked me to provide documents concerning this debt and sent over an itemized statement from the original creditor. How are they able to verify this debt as accurate if they are asking me to send in documentation regarding this account? Furthermore, an itemized statement is not proof of debt. 

Clearly they are unable to validate this debt and I am requesting that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XX/XX/2023 cash app Cash app is misrepresenting their services and are not making the proper changes in a timely manner, I spoke with 4 representatives due to an issue that is solely based on a discrepancy with cash app system I had funds transferred in order to handle my bills and personal matters and they are illegally holding my funds and not allowing me to make the proper transfers to my bank. A representative told me there was no issue on my end and proceeded to lock my account forcing me to a account hold which in these times which in many ways is deceptive and inconsiderate of the. Consumer then seek to bind me to a investigative period when I am told the issue is not on my end and I have matters personally that must be attended to. Cash app should diligently release my funds to me. The funds are rightfully and legally mine. 
The Dodd-Frank Act prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including peer-to-peer payment apps like Cash App. Examples of UDAAP include : Misrepresenting the terms or costs of a financial product or service. 
Charging fees without disclosing them properly or in advance. 
Making unauthorized charges or withdrawals from a user 's account. 
Failing to investigate and correct errors in a timely manner. 
Using harassing or threatening collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, Discover decreased my credit limit significantly, and the reasons on the letter seem inaccurate and misleading. I called their Credit Operations team and inquired about the erroneous information and was told the credit reporting came from XXXX. I advised there is no collections on my account and after investigation from the representative they confirmed the same so he proceeded to attempt to reinstatement my credit limits to what they were before this change, but was not able to do so. Instead, he advised another set of generic reasons for the decline, my " credit to debt ratio is too high ''. I would like to have this issue rectified as this has likely not happened to only me before. I work hard to keep my accounts and reporting in good order. It is not fair that the mistake should be kept in place. I asked the representative of Discover for the credit report ID number so I can discuss with the credit reporting agency and I was told that info does not exist. Furthermore, the company does a poor job with their reasoning for adverse actions. In the past when asking for credit limit in increases, I get generic reasons such as " inexperience with current credit limit or history of the current account ( s ) '' in which means I would have some kind of negative history with my account, but when I call and inquire about these reasons I am told it is based on " several '' factors and that is just one. To me this is not fair or appropriate if it results in adverse decisioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/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 2023-03-09 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: MO

Complaint narrative:
unauthorized hard inquiries

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 2023-03-09 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:
I am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on my credit 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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: IA

Complaint narrative:
Did 2 cash outs from XXXX XXXX to spruce. The second one went through but the first one never showed on my transctions. XXXX claims they never received XXXX deposit that XXXX XXXX says sent and provided a trace number for which is XXXX. I requested documentation from spruce stating they didn't receive payment which they ignored my request and didn't provide as well as asked for the a payment trace which they wouldn't do or even acknowledge that request just went around it. XXXX XXXX claims they can't refund me and or reverse the cashout without a dispute even though I provided the screenshots for the chat conversations with spruces live chat and my transctions Which does not show a transcation or deposit for 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 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: AZ

Complaint narrative:
I have a USD Balance of XXXX dollars at Blockchain.com and want to withdraw it. I am able to do all the other functions except withdrawing. When I want to withdraw I get an error message : " Oops, something went wrong here! You are not eligible to make deposits and withdrawals with this currency. '' I initially contacted the support in XX/XX/XXXX. Despite me reaching out on several occasions via chat and responding to their emails I'm not getting any response. 
I then tried to get an solution via their Social Media channel but that did not help. ( I actually got spammed by people that wanted to abuse my issue ) Today ( XX/XX/XXXX ) I reached out again via chat but I was told that they are working on it and I have to be patient. 
I don't think that this should be an issue that takes more than 3 months to solve. Moreover there is no communication from their side and sessions are just dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/XXXX I deposited an inheritance check into a new money market savings account ( separate from my checking and regular savings accounts ) at Key Bank XXXX XXXX XXXX XXXX ). The bank was notified on XX/XX/XXXX that the check was NSF. I received a phone call from the bank on XX/XX/XXXX or XX/XX/XXXX. Key Bank requested a bank check to replace the NSF one. I secured a bank check from the lawyer handling the estate. I deposited the bank check on XX/XX/XXXX. It was then I learned that Key Bank had blocked ALL MY ACCOUNTS. This created a SEVERE FINANCIAL HARDSHIP on me as Key Bank was the only bank with which I did business. Even though the replacement bank check cleared last week, Key Bank continues to block ALL MY ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
My husband received a phone call today XXXX/XXXX/XXXX that was supposedly from Phoenix financial services. Though the number that called him isn't even a phone number listed anywhere on their websites as a way to contact them. They spoke to him about my personal information regarding supposed debt. They told him I owed a XXXX dollars, but that they would settle for XXXX. They told him they have called me multiple times and they they've been told repeatedly that they have the wrong number. I have not received and calls or any mail about any debt owed to phoenix financial. He spoke to them a second time today and they tried to get more information out of him. When my husband started asking them questions they got flustered and stumbled over their words.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
NOTICE OF IDENTITY THEFT. THESE ALLEGED ACCOUNTS DO NOT BELONG TO ME. BLOCK and DELETE IMMEDIATELY FROM MY CREDIT REPORT. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. 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 2023-03-09 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX  XXXX {$260.00} XX/XX/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