vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 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:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: GA

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. 

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: GA

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. 

has violated my rights. Or list of inquiries 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 2023-08-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
I have a payment plan scheduled for the XXXX of every month. I have explained my financial situation and my inability to pay more. The company calls me repeatedly every day from several numbers, emails me and has contacted my employers several times even with a payment plan in place. 

After informing the company that I do not work for a previous employer they continue to contact them as well as my XXXX ex partner, divulging information as to where I am currently living and my current phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: GA

Complaint narrative:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.

Complaint narrative:
I purchased a prepaid Visa for {$200.00} at the XXXX XXXX in XXXX Oklahoma on XX/XX/2023. It is branded Vanilla with website VanillaGift.com. I gave the card as a gift to my brother. 

The card could not be activated. After speaking to the store manager, XXXX refused to help, directing me to Vanilla instead. They also refuse to help without a receipt which I no longer possess. 

It would be completely possible for XXXX to help by retrieving the receipt from their records. They refused. I spent {$200.00} for a gift for my brother and it seems to be money handed over to them with no product or service any return. I've been defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im writing Experian because it states bankruptcy on my credit report. Please explain to me how this could have occurred, because to my understanding only the last 4 digits of the debtors pursuant to rule 9037 Social Security numbers are released. 
In accordance with the Fair Credit Reporting 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. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NM

Complaint narrative:
They keep calling for a person not living in my home and I have notified them and the call still persists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased a home and obtained a mortgage from Wells Fargo in XXXX. I was up to date on payments until XXXX. At that point I contacted Wells Fargo who suggest a loan modification. After working with several of their employees over the course of the next year they were still not able to modify the loan and reopen the mortgage. The next steps in order to do so were to fill out a 10+ page form and fax it to their Loan Modification department in Iowa . I did this several times and upon receiving a fax transmission confirmation I contacted Wells Fargo. I kept getting the same line, we have a new person working with you, and that person would tell me they didn't receive random pages of the fax. I did this so many times that I decided to go into a Wells Fargo and have them fax it themselves. I still got the same response over and over after visiting several Wells Fargo branches who sent the fax for me with a XXXX percent success transmission log confirmation each time. Eventually Wells Fargo told me that they foreclosed the home. I have been pretty much homeless ever since even though I had the money to pay for the mortgage, and had found a renter who moved into my home which also covered the costs without my income. A real estate agent for Wells Fargo eventually came to the home and forced my renter out of the home illegally. I have been unable to recover from the damages I have gone through due to this loan modification that I was suggested that only made it so I was caught in a vicious cycle and caused the mortgage to close during the process and even though I had money to pay the mortgage was sent in circles until they took my 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 2023-08-14 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: GA

Complaint narrative:
There is something seriously going on with my credit. I keep seeing some hard inquiries that are not mine or associated with me. I am a victim of identity theft, the XXXX major bureaus have my proof already. I just checked my report again, and am see some hard inquire that aren't mine. I want them delete immediately, and i am asking for my credit report to be correctly update, and current. According to the law, all hard inquire reporting on a consumer 's report must have a permissible 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 non-monetary relief
Consumer complaint received 2023-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is something seriously going on with my credit. I keep seeing some hard inquiries that are not mine or associated with me. I am a victim of identity theft, the XXXX major bureaus have my proof already. I just checked my report again, and am see some hard inquire that aren't mine. I want them delete immediately, and i am asking for my credit report to be correctly update, and current. According to the law, all hard inquire reporting on a consumer 's report must have a permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I have opened a Business PayPal account with my company XXXX XXXX under US law after i do few sales PayPal closed my account and held almost {$2000.00} USD Without contact our XXXX our anything, they just closing account and say After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/1994 To Whom this may Concern These Negative items do not meet the FCA reporting requirements. I dont not recognize how and why it is reporting DELETE IMMEDIATELY!!!! 
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 resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!! 

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

Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish 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 witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


1.XXXX XXXXXXXX 2XXXX XXXXXXXX XXXX 3. 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 2023-08-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I have an old account with CashApp. I no longer have access to that account. I have contacted them to gain access to the account or to have the funds transfered from the account and they will not grant me access to the account or money. 

I have been able to successly provide them with all of the security clearnce requirements ( full name, account email, account name, my SSN, old credit card numbers and addresses ). 

CashApp is stating that they will not give me access or be able to provide any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-08-14 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: CarMax, Inc.
State: GA

Complaint narrative:
I was a victim of identity theft and there are inquires on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a victim of identity theft and there are inquires on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allegiant Capital Recovery LLC
State: IL

Complaint narrative:
I RECEIVED AN UNSOLICITED TEXT MESSAGE FROM ALLEGIANT CAPTITAL ON XX/XX/2023 STATING XXXX XXXX THIS IS ALLEGIANT CAPITAL. PLEASE CONTACT US AT XXXX. I KNOW A XXXX XXXX, I FIGURE THEY MUST HAVE BEEN SKIP TRACING. I BELEIVE THAT ALLEGIANT CAPITAL HAS VIOLATED THE TELEPHONE CONSUMER PROTECTION ACT. I DID NOT GIVE THEM PEREMISSION TO TEXT MY CELL PHONE. THEY ARE SENDING MESSAGES WITHOUT MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I Bought a Vanilla Visa ( XXXX XXXX XXXX  ) Gift card for XXXX $ from XXXX. Upon opening the card i found that it was missing last 4 digits. I also could not activate it or use it in store. 

I first went back to XXXX but they said all sales of gift cards are final. 

I then reached out to Vanilla Visa and raised a complaint. 

They asked me to send all the info - receipt, card photos to XXXX. 

I did that. 

They gave me a complaint number - XXXX However, after that it has been radio silence. Everytime i call, i am put on a long hold and they keep saying it will take 30 days for a resolution. 

Now i am out XXXX $ and wait for XXXX $ to be back until they determine the issue that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
From the onset of Roundpoint mortgage purchasing my loan there has been continued efforts on the company 's part to attempt to get me, the homeowner, to pay sooner than is required. There is a 15 day grace period on the loan. This is common practice and is stated on the mortgage statement. However, Roundpoint sends a letter each month on the XXXX or XXXX day of the month stating the mortgage is late, even though it is paid within the 15 days allowed. They also send the mortgage statement out prior to the final day to pay, which is the XXXX, and this bill suggests the mortgage is over due or late. So the bill which should state {$3400.00} instead says {$6800.00}. All these letters and statements are intentionally written to be deceptive. It also puts pressure on home owners to pay earlier than is required. This pressure is unfair to the consumers and if successful is a huge financial benefit to the company. This behavior is predatory, and unethical, if not illegal. In addition to pressuring homeowners to pay early, XXXX failed to pay the house insurance on time. This put the house at risk. I have never experienced such unethical behavior in a mortgage company. I have owned 7 houses, and currently own 3. I have never had such a problematic mortgage company. They should be investigated and sited for unfairly pressuring homeowners to pay early.

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 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: TX

Complaint narrative:
Buyer beware. I should have read all the horrible reviews about this law firm. BEWARE. I had been paying for a few months now, I believe approximately 6 payments of {$500.00}. So a total of approximately {$3000.00}. Unfortunately I was unable to continue making the payments of the payment plan. Therefore I decided to file for bankruptcy instead. Well I called to cancel the program and expect at least some money back, since nothing was done on the account, other than collect the money from the payment plan. They advised I would only be getting a whopping XXXX XXXX in return. How is this possible that every payment I made went to fee 's and fee 's for doing nothing other than collecting the payment. This law firm makes you believe that this law firm and its program is helpful, when they aren't doing anything but collecting every payment. I understand there are fee 's, but it is outrageous that fee 's were charged for doing nothing. I expected at least half back. Either way, BEWARE of this program, I guarantee it is not right for you, look elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 US 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON AN ACCOUNT under an open end consumer credit plan as late for any purpose. UNDER 1639 No creditor may impose a late payment charge or fee in connection with a high-cost mortgage more than once with respect to a single late payment.

Company response to consumer: Closed with explanation