vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC
State: LA

Complaint narrative:
XX/XX/2024 : I received a text message from Reliant Capital Solutions about oweing a debt with a file number. I was able to get into the file and saw that I was not the person/ legal guardian/ financially responsible for the money owed. The account I was able to log into with the file number provided and my phone number gave me the financially responsible persons full name, address, the amount of debt owed, the company its owed to, and file numbers. That information should not be shared so freely. 
I had no right to that information, when I called and spoke to someone she just apologized and said wrong number was put in. I asked if I could talk to someone because that is pretty serious and she essentially said that it was an accident, stated I wasnt the one doing business with them, and it wasnt a legal issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XX/XX/year> disputed via chat, because I couldn't get them by phone..Spent 3 hrs. disputing via chat 3 different individuals, 1 was even a supervisor named XXXX... the other 2 name 's are XXXX and XXXX. Nothing just left me hanging. Later that evening, last night, I finally got through. Spoke to a person named XXXXShe apologized, made a complaint and changed, updated my address and phone # she said. This morning I logged into my account to see the address information is still incorrect and no mention of my phone #. Then I received veiw emails from them ..Having problems contacting them by phone again.. I am extremely scared of identity theft. I don't like how this company goes about its business. Please help...

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 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I was in XXXX colorado at XXXX XXXX XXXX, colorado in 2020 and recently i receive a notice i owed {$80000.00} to a landlord called XXXX XXXX XXXX XXXX i never lived or stayed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1803 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank does not deposit checks immediately or the next business day. I have had to redeposit multiple checks after several days for them to be credited to my account. This is inexcusable and no other bank commits this negligence.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} 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 XX/XX/XXXX XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
I am writing to complaint to PERSONAL FINANCE/MARIN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, IN XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint are XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: TriPoint Lending, LLC
State: TX

Complaint narrative:
According to my agreement, I built up a balance of payments ( {$430.00} a month ) in XX/XX/XXXX. They settled a debt with XXXX XXXX at 50 % ( {$9400.00} original balance settled for {$4700.00} ), paid the company {$200.00}, and took out the remaining balance of the account to cover their 25 % fee. It would then be another approximately 4 months before enough would be accumulated to settle another account. 

The goal of this company is profit NOT settling or actually helping their customer or providing value. The fee amount and timing is set out in the contract, but we are only given a few minutes to sign over the phone. I read the agreement after the call, but I never believed or even thought they would pull it out BEFORE settling other debts. I find this approach deceptive at best. They are taking advantage of desperate customers. 

In addition, in numerous phone calls they kept telling me they had contacted several companies. I have now called those companies, and NONE reported receiving communications from XXXX. I was sent a consent form to sign so that they can speak to XXXX XXXX on XX/XX/XXXX, FOUR months after my agreement was signed. 

Finally, I requested on those phone calls ( 5 times total ) information be sent to me on where to lodge complaints. I never received anything in writing. Verbally, the only place they referred me was the XXXX  XXXX XXXX. they maintain a top rating with the XXXX, and refer to it extensively in their sales pitch. in the final call the person mocked me for not using XXXX to find the contact information for the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MO

Complaint narrative:
Fraudulent debt collection on my report. Never lived in Texas or rented an apartment in Texas. Ive worked and lived in XXXX XXXX Missouri since 2014 and in the state of Missouri my whole life. Disputed account and tried reaching out to collectors and all numbers linked to company was disconnected. No contact could be made about fraudulent account and 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute a {$1400.00} debt claimed by XXXX XXXX  XXXX, as I have never engaged in any business with your company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for closing on my forever home.

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I booked a hotel via XXXX - shared all corresponding details and fees which I agreed to in booking, in addition to language regarding additional fees, etc, with Charles Schwab in submitting a dispute. The hotel accepted my reservation and added charges that I did not agree to, nor has the CS team been able to supply any form of signed documentation corresponding to an alleged charge. The team is being derelict in their responsibility to ensure fraudulent activity is thoroughly investigated. On principle, I shouldnt be charged or have to accept the investigation results without the proof required for any transaction : goods, agreement of purchase, corresponding receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
This person shared on XXXX that they were selling concert tickets, and I had friends that were close with this person so I assumed we were safe to buy the tickets. We spoke on the phone and she was specific about the tickets and information. Once we verified everything on XX/XX/XXXX, she told me her and her cousin split the tickets, and verified who her cousin was. I spoke with her cousin too and she asked me to send payment to her. I sent her the money via cash app and then she would not respond to me. She kept making up reasons not to send tickets then just stopped answering. I knew right away it was a scam. I contacted cash app immediately and they were saying they can not assist me and theres nothing they can do. It was immediate so there was no reason they couldnt assist me. They told me we could send any evidence to them but they didnt allow me the opportunity to send anything to them. We filed a police report and everything and tried to provide them with it, and they wouldnt even allow me to do that. The police verified with the woman whose XXXX page it is, that she had been hacked for months. We reached out to XXXX but they didnt help. We also contacted PSECU and they werent able to do anything, but we are out {$600.00} and feel the Cash App is not assisting us at all with getting our money back. We have been patient but we called them immediately and it should have been able to be taken care of. We hope we are able to get our money back since weve taken all of the proper steps in appealing. Security measures within cashapp must not be very good to not catch scammers. The police report number filed through XXXX XXXX police department is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
i ordered a american express gift card on XXXX of XXXX at XXXX. it was a {$100.00} card. when i tried to use it after my trip back from XXXX, it wouldnt work. it would tell me that the card was declined or whatever. when i checked my balance, i was getting XXXX off my card. ive kept trying to purchase things that said american express was accepted, but still has not worked. ive called the american express phone number, and they didnt really help me, and i couldnt really understand what they said due to their accent. recently i thought the card worked, but i got an email from the place i bought something on that they had to cancel my order. i also have something. another thing i bought, but didnt go thru, i did not get a refund. most of the stuff i want to buy, does not go thru. there was two things that went thru, but got canceled because of my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citibank has a promotion going where you open a new checking account and make two enhanced direct deposits totaling {$1500.00} or more and they'll give you a {$300.00} bonus. 
XXXX XXXX XXXX XXXX ). 

I opened a new account on XX/XX/XXXX and made the deposits on XX/XX/XXXX and XX/XX/XXXX totaling {$1500.00}. These were sent from my dad 's XXXX account as I do not have XXXX and the funds were settled in my account. 

On XX/XX/XXXX I initiated a transfer out of my Citibank account to my dad 's Citibank account using Citibank Global Transfer. There was no indication that this transfer would not go through. 
On XX/XX/XXXX my dad told me he never got the transfer so I tried to log into my account to see what the problem was. At that point I learned that my account was locked. I called Citibank to ask what the problem was and they would only tell me that my account was closed due to fraud and I'd be receiving a letter about it and remaining funds issued in 30-60 days.

I asked for details about the letter and to talk to a supervisor, but they would not give me any additional information.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have written a few letters asking for the incorrect items to be removed off of my credit report on XX/XX/year> and XX/XX/year> and they have yet to remove them nor respond to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On late XXXX or XXXX I notices someone opened a XXXX credit card under my name! I immediately called the bank submitting a dispute and complain explaining that this card was opened fraudulently and that it was not mine. They said that I shouldnt be a problem, they were going to investigate and that resolution will be communicated to me. I never received this information and 3 days ago I see my credit report losing XXXX points and they reporting the card is delinquent etc. I called the bank and aparently they denied the dispute and say I am responsible of this debt and that the investigation was closed and they cant do anything. If I wanted to submit a dispute with you than do it but they had nothing else to do.

Company response to consumer: Closed with non-monetary relief