vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain 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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On Friday, XX/XX/2022 a customer paid me on cash app for her nails. The total cost was {$150.00} dollars. Today XX/XX/2022 I get a text message saying that the customer had filed a dispute and will be getting the refunded payment from my account. Cashapp proceeds to take {$150.00} out of my account. Prior to this I was not notify about the dispute in the first place, the only message I got about the dispute was regarding the payment being taken out of my account today. I contacted Cashapp the moment I found out what happened, I waited hours for a response just to hear that they can not do anything about the money I lost, instead they told me to discuss the issue with the scammer myself. I messaged them on social media, contacted their live support, and I call their number. I was scammed out of my time and money. Not only is Cashapp support line terrible, they are letting scammers get away with stealing from small businesses without doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Marcus-Goldman Sachs purchased the XXXX XXXX accounts from XXXX XXXXXXXX and I was told ALL data from XXXX XXXX was transferred to Marcus-Goldman Sachs as part of the contractual agreement. The transition was supposed to be finalized in XX/XX/XXXX. I recently needed some historical information on my account from XXXX and I am unable to access statementsthrough my Marcus account online older than XX/XX/XXXX. When I called Marcus-Goldman Sachs , I was told they do not have any historical statements from XXXX XXXX older than XX/XX/XXXX. When I called XXXX XXXX, I was told that ALL the information was transferred to Marcus-Goldman Sachs . I do not believe I should be stuck in the middle of this back and forth between these two large financial institutions that have the resources, IT departments, backup tapes, etc. to rectify this problem. All I need are my historical statements. I was encouraged to go paperless, therefore, do not have any paper statements since XXXX. I was also told by both Marcus and XXXX XXXX not to worry about downloading all of the statements because they would be available online through the Marcus Website once the transition took place. Perhaps this is part my fault for believing both Marcus and XXXX XXXX, but as a consumer, I should be able to have some faith in the companies I do business with to be telling me the truth -- especially large and supposedly reputable companies that are dealing with my financial transactions!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Dear CFPB : Issue : The Macys charge account reported to the XXXX bureau before the first billing cycle due. In fact, I have not received the first statement. 
( This is incorrect information in reporting that communicates I did not pay off this debt ; within billing cycle due. [ This is not accurate ; furthermore, negatively affect the overall credit score ) This is a violation of my consumer rights ]. 

Action : XX/XX/2022 around XXXX and XXXX at XXXX ( XXXX ) XXXX. 
I called Macys credit account customer service twice. The first time I spoke with a representative, and second call I spoke with a supervisor [ both calls are recorded ].

Research : I have four credit accounts, and no other organizations reports to credit bureaus prior to first billing due date.

Desired Result : The Macys charge account correct this error ( to XXXX [ XXXX and XXXX ], and report after first billing cycle due. 

I appreciate your time to read, investigate, mediate, and to achieve desired result. 

Respectfully, - 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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXX XXXX XXXXXXXX XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX -inquiries XX/XX/XXXX XXXX- -inquiries XX/XX/XXXX XXXX XXXX -inquires XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquiries XX/XX/XXXX XXXX XXXX XXXX charge off XXXX charge off XXXX XXXX XXXX XXXX Charge off XX/XX/XXXX XXXX XXXX XXXX XXXX charge off 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 2022-08-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX -inquiries XX/XX/XXXXXXXX XXXX- -inquiries XX/XX/XXXX XXXX XXXX- -inquires XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquiries XX/XX/XXXX XXXX XXXX XXXX charge off XXXX charge off XXXX XXXX XXXX acc Charge off XX/XX/XXXX XXXX XXXX XXXX XXXX  charge off 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 2022-08-16 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:
In accordance with the Fair Credit Reporting act XXXX XXXX using account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a 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 2022-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
although i this collection wasnt mines i decided to call the company to resolve the collections since it was really harming my credit. this acct is not mines and i actually had requested a signed agreement. i dont even know what type of debt is this the service rep told me that if i will pay the debt in full that they will remove the collection out of my report. they recently gave me a letter of deletion but the debt is still reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened an account with XXXX and it is serviced by COMENITY - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 

I received the first bill and paid it in full via XXXX XXXX  XXXX XXXX banking for {$150.00} Per XXXX, " Check XXXXwas mailed to XXXX XXXX for receipt by XX/XX/XXXX, XXXX Confirmation # XXXX. '' I received another bill for {$32.00} ( late fee XXXX XXXX {$2.00} interest charge ) which because I was leaving on vacation I went ahead and paid until I had more time to research the initial payment. XXXX Confirmation # XXXX. I received what I thought was a duplicate bill and disregarded it as I knew I had paid the second bill and had not used the account. 

I have not stepped foot in that store since my one and only purchase, which I have now verified with XXXX XXXX  XXXX, was paid-in-full and on time. However, today XX/XX/22, I received a fourth bill from XXXX in the amount of {$41.00} ( {$34.00} late fee and {$2.00} interest charge ). 

If this isn't fraud, then I don't know what is. I have been with XXXX for decades and have used online banking since inception. I have never experienced an issue until now. I contacted the customer care number on the XXXX and they were trying to " wheel and deal '' with me. I asked them to refund me the initial {$34.00} which I did not owe and remove the other bill of {$41.00} and to close the account. 

I was transferred to a manager when the rep refused my request. The manager said he would reverse one late fee and issue a {$15.00} credit if I didn't close the account. I repeated what I wanted and he kept circling through his script and saying that they didn't want to lose my account. I repeated over and over what I wanted and it became clear they were not going to budge. Please tell me how I can get this resolved and stop them from doing this to anyone else? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I send a letter to on XX/XX/2022 asking Source Receivables Management to validate the debt they were reporting to my credit report. Then on XX/XX/2022 I sent anothe letter asking for some details regarding this account, I never received a response. Most recently I sent an additional letter on XX/XX/2022 warning them I will submit a dispute with you guys and asking to verify some information. Again my letter was ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against CURACAO for committing identity theft. I have never given CURACAO any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from CURACAO before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CURACAO can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CURACAO can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CURACAO continues its collection efforts, I will file for litigation for actual damages caused and CURACAO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: LA

Complaint narrative:
I have not worked since I had XXXX because I am having a lot of complications with my health. They are still calling me from their cell phone I asked for it to be taken care of and they have ignored the complaint. Since they have ignored everything I will be suing them because I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: NY

Complaint narrative:
I AM A UNITED STATES HUMAN AND I HAVE RIGHTS UNDER15 USC 1681 EQUIFAX IS GOVERN BY 15 USC 1681 AND MY RIGHTS HAVE BEEN VIOLATED NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX PERMISSION TO FURNISH THESE ACCOUNTS CREDITOR-WOW EQUIMENTS DATES- XXXX XXXX AMOUNT- {$250.00} ACTION- I EXPLAINTED THIS IS NOT MINE CREDITOR- XXXX  XXXX XXXX XXXX XXXX AMOUNT- {$600.00} AND {$140.00} ACTION- COLLECTIONS CREDITOR-XXXX XXXXXXXX XXXX XXXX AMOUNT- {$760.00} ACTION- SOLD DEBT TO BUYER CREDITOR- XXXX XXXXXXXX XXXX XXXX XXXX AMOUNT- {$440.00} ACTION - SOLD DEBT TO BUYER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
We were in forbearance for 12 months on our mortgage with Lakeview serviced by XXXX, at the end of forbearance did a loan modification placing all past due payments, taxes and insurance in a deferred balance. During that time was approved for HAF mortgage assistance on XX/XX/XXXX. Lakeview received funds and refused to apply them and returned them on XX/XX/XXXX. We have spoken to Lakeview almost daily, they have given several different reasons why they will not apply the funds. Even after Lakeview returned funds they claimed they never received them. They refuse to give us the information on where to have the funds applied to deferred balance.

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 2022-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TMX Finance LLC
State: SC

Complaint narrative:
A representative from regional office of titlemax called and left a very rude threatening voicemail and didnt properly identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: FL

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

I sent a letter convergent asking for : Validation of the debtthat is, the actual accounting.

Verification of a signed invoice.

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered XXXX, Transunion, & XXXX have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Also according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, or Transunion written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) Account # XXXX Additional Financial Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 2022-08-16 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: FL

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

I sent a letter convergent asking for : Validation of the debtthat is, the actual accounting.

Verification of a signed invoice.

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered XXXX, XXXX, & Experian have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Also according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Experian, or XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) Account # XXXX Additional Financial Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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