vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received numerous letters requesting payment from Radius Global Solutions LLC. I disputed the debt in email on XXXX I was instructed to send my email to XXXX. I never heard anything back from the company. I followed up with a dispute and validation letter XXXX I sent the letter certified mail to Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX. I asked them to validate the debts or remove them from my credit report. I again never heard anyting back from them after the 30 day validation request. I followed up with a phone call on XX/XX/. I spoke to XXXX XXXX who confirmed both of my dispute letters were received. I asked to be transferred to a manager and was transferred to XXXX XXXX. I informed her they were in violation of the FDCPA for not validating my debts. I also informed her she was in violation of the FCRA for placing these on my credit report without validation. I asked her to get these negative trade lines removed as soon as possible or I would initiate litigation. This company has failed to provide me with the validation required by law.

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 2022-12-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There was a problem with my separation from the USPS and they rectified it by deleting everything from XXXX and XXXX but left one of them on Equifax DEPARTMENT OF TREASURY XXXX XX/XX/22 shows as open account and should have been deleted altogether

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NY

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : DEPT OF EDUCATION/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 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 antedates 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 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 2022-12-15 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: NY

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : DEPT OF EDUCATION/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 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 antedates 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 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 explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and myrights as a consumer. I am disputing the amount on my statement you send me every month. How can Ipay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me astatement every month and this statement is my dividend check from Capital One for the interest I haveearned, as a result of Capital One is trading my securities on the exchange. This has been done withoutmy knowledge and constitutes that Capital One trustee listed above is committing SECURITIESFRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I am a XXXXXXXX retiree and lived XXXX to XXXX in XXXX 
I opened accounts with Marcus by Goldman Sachs XXXX XXXX and I dropped everything to dash back to the XXXX. 
I closed down almost everything in XXXX including my rented apartment but couldnt close down my Marcus by Goldman Sachs account.

I returned to XXXX  to close my Marcus accounts. 
They asked for a US address. 
I checked with my hotel and, as they know me, they agreed for me to use their address. 
Marcus accepted and registered the hotel as my US address. 
I then started to call Marcus to close my accounts. 
I phoned DAILY for TEN days and was on the phone for anything from 45 minutes to 1 hour 52 minutes!!! 
The hotel received 4 letters marked for my attention from Marcus which proved they accepted the hotel as my address. 
Marcus are now saying they can not send checks to the hotel. 
I can not give them another address. 
They are now saying my accounts will go into the UNCLAIMED ACCOUNTS.

Im telling them they cant as Im claiming MY MONEY!!!

Because of the above, Im claiming that Marcus by Goldman Sachs is stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
I want to file a complaint against Cashmax a employee XXXX XXXX at the location CashMax - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, TX On XX/XX/2022 have been charging my bank card account for the wrong amount this is not the first time he have wrongful charge my bank card I have proof where my bank blocked and rejected the withdraw XXXX XXXX tried to withdraw from my bank card of {$190.00} without my authorization or consent when my loan payments is {$150.00} I have been struggling to pay theses fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 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: FL

Complaint narrative:
ACCOUNT # XXXX XXXX  XXXX XXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN 45 DAYS.

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 2022-12-15 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: AR

Complaint narrative:
XX/XX/2022 Per the FCRA, as a federally protected consumer, I am opting out of any and all authorizations, I the consumer may have given you, written you, not written you, verbally, non-verbally. Per 15 USC Code 6802. I am rescinding effective immediately and indefinitely.

15 U.S. Code 6802 Obligations with respect to disclosures or personal information ( a ) Notice requirements ( b ) Opt out ( c ) Limits on reuse of information ( d ) Limitations on the sharing of account number information for marketing purposesA financial ( e ) General exceptions I have asked all credit bureaus ( XXXX, Equifax, XXXX ) to remove all hard inquiries per 15 USC Code 1681 in which they have not.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting at consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures I have asked all credit bureaus ( XXXX, Equifax, XXXX ) to remove all student loans information per the Family Educational Act of 1974,20 U.S. Code 1232g - Family educational and privacy rights in which they have not. 

Family Educational Rights and Privacy Act ( XXXX ) : The Family Educational Rights and Privacy Act ( XXXX ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

I have asked them to removed inquiries in which they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
Initiated a transfer of {$420.00} out of Venmo on XX/XX/11 to be deposited into a personal account. The company is refusing to release funds and won't tell me why. They keep giving me a general copy and paste answer and no additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
On this compliant XXXX said not there company on account.. No they are not the company My problem is not with company its with XXXX still showing account on file See my original complaint XXXX XXXX has removed the XXXX account in dispute from their reporting. Experian needs to do the same

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 2022-12-15 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: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections not mine 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 2022-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
My federal student loans were with FedLoan and were recently forgiven under XXXX. At the beginning of XXXX, I received an email from FedLoan indicating that I was eligible for a refund for payments made during the COVID pandemic. When I called to request the refund, they said they would submit it. I called back in XXXX and they confirmed the request had been submitted in XXXX. 

The week of XX/XX/XXXX, I spoke with them again because I still had not received the refund checks. They told me the refunds were taking several months because of the large number of refunds due to borrowers, and they confirmed I was due a refund in the amount of {$18000.00}. They advised me to call back in XXXX. I called again on XX/XX/XXXX and was told everything was in process but that the delays persisted in getting the refunds out to borrowers. 

When I called today to check again, I discovered FedLoan no longer exists. I understand you have successfully helped others unstick this process and was advised to contact you. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRES REACHED OUT TO BUSINESSES THEY HAVE NO KNOWLEDGE OF INQUIREMENTS PLEASE REMOVE AND DELETE FROM 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 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
There was a Bank of America credit card opened in my name on 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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: PA

Complaint narrative:
I have reached out to both the original creditor and the collection company about the debt. I had cancelled gym membership with XXXX XXXX in 2018, last year they came looking for {$96.00}. I told them i didnt owe the money. now that its in collections nobody will respond to my validation letters.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

Equifax is governed by 15 USC 1681.they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/XXXX a alleged court officer claimed that there was seizure order on my vehicle from a fraudulent case XXXX where a company I had no contact with XXXX XXXX XXXX filed a case in XXXX. I called XXXX XXXX XXXX Police they came checked for warrants found none but still allowed clearly fake court seizure. For some reason neither my legal service, nor any lawyers would defend me. I filed insurance claims called lawyers and received strange responses including mailed request, This had been a year where constant bank errors, XXXX XXXX, credit cards being cancelled without cause, constant calls requesting another person etc. I filed response and finally another law firm sent me s certificate of Satisfied judgment from a Midland Funding LLC for another fraudulent case number in another court area I didnt live in, case number XXXX in XXXX XXXX XXXX XXXX A case was dismissed with that case number for fraudulent filing. In spite of several companies being involved with proof from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd several credit card and XXXX XXXX XXXX Police, my Civil Liberties was being violated and monies stolen in phone calls from XXXX and XXXX and Xfinity were clearly being redirected. I have documents to prove items but with is very much Shady event as a result many agencies seem to be trying to protect reputations instead of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The Debit card was issued by Money Network by XXXX XXXX XXXX for money placed in an account by the State of California for Middle Class Tax Refunds. My husband and I activated the card for the account that contained {$700.00}. On XX/XX/22, I used the card to spend {$82.00} at the local grocery store. On XX/XX/22, someone drained all the money from the account ( ie. they hacked the account ). I tried reporting this to the Debit card issuer, but could not get through their phone recordings even after XXXX minutes, and they had no option on the phone for money stolen directly out of an account. They only had an option if your card was stolen- which ours was not. 

In looking online to try to find out what else I could do to report this issue, I found that I am not alone, others in California receiving the Debit Cards for the tax refund have recently had their accounts drained also. There may be many others in California and it may involve hundreds of thousands of dollars of our tax money.

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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
I disputed an account on my credit report. The original account was XXXX XXXX. Now XXXX XXXX XXXX owns it. 

I had car insurance through XXXX XXXX. When my car insurance contract was about to expire, I switched insurance companies and notified XXXX XXXX. They went ahead and charged me for the next XXXX months. I do not owe that money because my contract had ended. I did not owe XXXX XXXX anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXXXXXX 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 

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 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 antedates 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 consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

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 antedates the report by more than seven years.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation