vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I found an " adoption '' page on XXXX for XXXX  XXXX kittens, selected a kitten from their page I wanted to adopt, paid the deposit that was required for the kitten using PayPal, the required form of payment ( {$700.00} ). A week later, after speaking with the individual whom I adopted the kitten from for a week, had a signed contract, and a receipt for my purchase, I was sent to a home in NJ, XXXX hours away from my home to pick said kitten up, and it was a scam. The address was " fake ''. There was no kitten at the address given to me. I was told to wait in the driveway, they were on their way there, however they never showed up, then they blocked me from being able to message them. I tried to recover my loss through PayPal, and they told me they could not help me because I used the " friends and family '' way of payment, and there was no way to guarantee that I got what I had purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX & XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX & XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
Please be advised that I have previously tried to validate the ownership of this acct directly with XXXX XXXX XXXX collection acct # XXXX, and with the credit bureau XXXX. 

As of today 's date I have not received the requested documentation to proof that this collection acct is mine. I do not know XXXX XXXX XXXX, and I have never signed any documentation with this company. 

Account MUST be removed immediately as its harming my credit. Thanks for your prompt response and cooperation with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: CO

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.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
Spring Oak is claiming to have sent proof of documents in the following debt validation to me in which I did not receive it in 30 days nor did I receive what I have requested. 

Please see the letter sent an attached below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Debt Validation Letter To whom it May concern, I am writing under the Fair Credit Reporting Act and am asking for crucial and legal information ( see below ). 
In addition, I am asking for any negative items to be removed promptly based on Code 15USC1681 or if any legal items below can not be sent within 30 days. I am requesting the following to be sent to my address above : Original debt contract with my signature, Proof of Debt assignment, All legal binding contracts, Payment history Name and address of original creditor I am requesting this to be sent immediately to my address or within 30 days or promptly remove accounts and negative marks from my credit report and all 3 Bureaus immediately. Kind Regards XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I am not receiving the documentation I have requested nor have I received it within 30 days, and by law must be removed from my account. 

Because they are not following the following laws this must be removed immediately from my credit report.

15 US C 1681 section 604 A 15 US code 5 1681
b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: TX

Complaint narrative:
This formal complaint is against XXXX, XXXX and TransUnion for unlawfully reporting fraudulent accounts that were established using personal identification without my authorization or written consent. XXXX has willfully and negligently ignored multiple dispute requests to properly address fraudulent information being furnished on my consumer report. You have failed and neglected to provide written proof and validation that these alleged accounts belong truly to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged accounts, nor therefore any such debt, in fact therefore exists.

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 2023-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 non-monetary relief
Consumer complaint received 2023-07-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 2023-07-27 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - XXXX in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX & XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.

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 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This appeared on my credit report. No idea what it is or who it is for. Asked for a debt validation a year ago and haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this Imv because I um a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: NV

Complaint narrative:
Around the end of last year, I used an alternate payment source to pay my installment loan with Lending Point. I was asked by the representative if I wanted to save the payment source for auto withdrawals, to which my reply was " no ''. Lending point saved the payment source anyway and took unauthorized payments the next 3 months via that payment source. I contacted Lending Point in XXXX so they could stop charging that unauthorized payment source and correct the matter. I was informed that my call was escalated and a manager would call me back to remedy the issue. While Lending Point did indeed call me, it was never the escalated callback. I notified Lending Point that I was ceasing payments until corrective measures had taken place regarding them making unauthorized charges to that account. I again requested that supervision reach out to handle the matter. This call never happened. Recently, I received credit bureau notice that this account was severely overdue. I again reached out to Lending Point to attempt correction. The call was again escalated yet this time, I was immediately connected to a supervisor. I informed the supervisor of the situation who later confirmed the information I gave. I was told that the representative that made the " mistake '' faced corrective action, yet the only correction Lending Point could make was offering a hardship program to " catch me up ''. Lending Point intends on using their protocols and policies to justify violating consumer rights and technically committing bank fraud. After tirelessly trying to come to a fair and just result, I am left with no further option but to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On my credit report is XXXX XXXX XXXX for XXXX I wrote a certified letter asking them to validate the debt because I had never been contacted nor did I owe this kind of money to anyone. There was no reply. It's been a year and still no validation. I called and they said it was for speedy cash. I haven't had a speedy cash loan... ever. I even checked my bank account to be sure and nothing for the last 10 years has ever been deposited in my account from speedy cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I called to report a fraud claim on XX/XX/XXXX at XXXX that had basically emptied my account dry. My girlfriends birthday is XXXX, Wells Fargo is telling me that I need to wait 10+ days in order to receive a provisional credit. But when I look into other people experiencing events like this with different banks they receive a credit almost instantly. This is the most stressed Ive been in my life, and now I cant even do anything for my girlfriend.

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 2023-07-27 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: CO

Complaint narrative:
I recently checked my credit report with XXXX. On it, I noticed a credit card in my name was opened on XX/XX/2022 by Bank of America. I never applied for a credit card with Bank of America, and never received one in the mail. I believe I am a victim of fraud.

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 2023-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently discovered this account among many due to Identity theft. I disputed this account previously but nothing was done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: HI

Complaint narrative:
Hello, I requested Elan Financial Services ( in XXXX ) to adjust the XXXX billing cycle and due date to reflect the XXXX instead of the XXXX. 

XX/XX/XXXX- I called to have the monthly due date changed from the XXXX to the XXXX. CSA at Elan said we can do the XXXX. XXXX late fee was reversed. 

XX/XX/XXXX- I paid minimum due of {$290.00} and saw late fee applied as due date still the XXXX. CSA at Elan said to call back in a few days if late fee not reversed. 

XX/XX/XXXX- I noted late fee not reversed. CSA at Elan said there's nothing they can do. 


Regards, 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 monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have 3 unauthorized hard inquiries on my credit and I would like them removed. 

Dates are XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
I received a letter from Hunt and Henriques saying I would be sued for a delinquent account. The account is {$2200.00} and held by XXXX XXXX XXXX with the original owner being XXXX XXXX XXXX. I was never notified about this debt from XXXX XXXX XXXX or notified of their intention to file a suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Been trying for the last 1 and a half years to complete successor in interest and assumption of loan on my home, and remove my " ex '' from the loan. I dont know why Mr Cooper too so long to acknowledge me as successor? I had to ask XXXX XXXX to help and they finally got Mr cooper to send me the right papers and complete this after 1 year. Thank you Lord! XXXX, i filed all my papers for the assumption on XXXX, and it was not acknowledged until XXXX. I have continued to call every few weeks, once a month and it is at 3 full months. I have been told each time that I call that someone will follow up with me soon, that they have all they need on the loan and that its at final " cost '' numbers, and also at " funding? '' but have never spoken to anyone. After 1 year fighting for successor and despite the new CFPB rules for successor, Mr Cooper has put me off this far again! Please help. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation