vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OK

Complaint narrative:
On XX/XX/2023 I was notified that the retreat at XXXX XXXX XXXX in XXXX  XXXX had sold an illegitimate debt to Columbia debt recovery ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) also known as Genesis debt recovery. The way I found out was I got a notification from credit wise that said that I had a debt sent to collections. Columbia debt recovery never reached out to me and attempt to collect the debt. Had they contacted me I would have told them that I wanted to dispute the debt of approximately {$250.00}. 

Columbias number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: TX

Complaint narrative:
US bank is asking to verify my account since there are fraud anomalies on my account. One I haven't used my card for anything except for groceries or gas but that was a month ago. because I am paying off the card this year. They are asking me to send them my personal bank statements, tax forms, social security card, and other info such as DL via mail. I wouldn't mind sending my DL, but send my social security card, tax forms, and bank statements in the mail. I keep calling to get to the bottom of this, every single time I call so far every representative hangs up the phone when I asked if I can omit some info from my bank statements/tax form since I have had my identity stolen before. Plus they can not tell me why they need my statements or why they need to see what I am spending in my daily bank account. This has nothing to do with my credit card. Nor will they give me a fax number to send in the documents. This is sooooo unfair and very unprofessional and I just want to rectify the situation. The employees need to be trained better on how to handle the situation.

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 2023-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ABC Loan of Martinez/ Georgia Finco Holding Corp
State: GA

Complaint narrative:
I have never stepped foot into ABC loan company a day in my life. They are trying to collect debt that I do not owe to them. I have constantly called them to dispute this off of my record and they are giving me problems but this is illegal I never signed anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I received my IRS deposit on XXXX XXXX to my cash app account. I didnt even have it in there for an hour and I proceeded to transfer the funds of {$5000.00} to XXXXXXXX XXXX at XXXXXXXX XXXX the same day to another online mobile banking app because I needed use to the funds on that paticular account at the moment. Due to my fault, I didnt realize XXXX banking app had a limit restriction in which resulted in the transfer being rejected and had to wait a week before the funds were sent back to cash app according to XXXX . After that time, I have reached out to cash app and opened a case as to the investigation of my missing funds. Cash app did state in writing on the support help option that they were able to confirm with XXXXXXXX XXXX that the funds were released. Now, it has almost been another week and cash app is still showing a XXXX balance. I have reached out several times to cash app regarding my missing funds and I was given a report number of XXXX in the investigation as to where my funds are. This was strictly a transfer of funds with no purchases made in between. Im sick to my stomach that all my hard earned tax return is now just missing somewhere in virtual space and that was all the money I had and each day has been extremely critical in surviving without any money to do so. I will enclose a copy of supporting document showing the deposit and release of my funds via internet to these institutions as follows, but I am just now left desperately seeking my funds with cash app having absolutely no answers whatsoever as to where my money is. They are just saying they are looking into it, but several business days have surpassed and still no word with no supervisor or governing ranked person or establishment to speak to. Im afraid if I just keep taking their excuse less responses day after day without resolution, my situation will surely turn detrimental. Im reaching out for help now to assist me in getting my funds to me before its too late. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-19 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:
hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX  or XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.

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 2023-04-19 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-19 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Consumer Financial Protection Bureau has now dropped the ball on this concern. Claiming that I am not the one disputing this account when I am the only one with access to my credit reporting login in credentials. My credentials have maintained the same and I am the only one working to fix the inaccuracies on my credit report. You sent me a letter closing my initial claim because you assumed I was using a credit repair company. That is false. I am doing my best to correct the errors you all continue to ignore. You use these tactics claiming you are not sure if I am disputing these accounts, making me call in to verify myself countless times and still failing to properly investigate my claims. I have been attempting to dispute this account that has caused me to lose housing opportunities and Job opportunities from reporting inaccurately. I have made several attempts to dispute this Debt with BULLCITY FINANCIAL ; as I HAVE NO KNOWLDEGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When I request verification of this debt via writing my requests are ignored but BULLCITY FINANCIAL sends me a response letter asking to verify what they have on file when i have no knowledge of this account. However, on the handwritten letters they received from me it contained my first and last name and full address, the only response i should be receiving is one that has documentation showing and verifying this debt is mine. Which BULLCITY FINANCIAL Failed to do. This agency is still being allowed to report this frivolous debt with multiple inaccuracies. When I ask for proof of information used to investigate this account by the credit furnisher, my request is ignored but the account is continuously being updated as verified. I have retained all my documents from letters I've wrote physically to the original creditor XXXX XXXX and the current furnisher of the inaccurate information BULLCITY FINANICAL, disputing this debt sent via certified mail in which I never received a response. I have proof and or documentation of me writing all credit reporting agencies requesting information on how they verified this debt, that also went ignored. I have been disputing this account for years and the lack of research and negligence on the creditors and credit reporting agencies behalf are unbelievable. I have managed to get the account removed from one agency which is XXXX, but it remains on XXXX and XXXX. I can not understand how XXXX could not verify the debt was mine, but XXXX and XXXX were, however, can not provide method of verification used to validate this debt. PLEASE REMOVE THIS ACCOUNT FROM ALL XXXX AND XXXX AS IT CAN NOT BE VERIFIED AS MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple credir card was over paid they call me every week for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Today I spoke with XXXX who I believe I spoke to before under a different name while dealing with my repayment plan issue that I filed before. I was insistently told different amounts, due dates, etc that purposefully made me lapse on one of my repayment plans. I was told last month that I was only 1 month behind but they misapplied the lump sum that was paid in XXXX and now they are saying I have a balance. XXXX was extremely rude and when asked for a supervisor she refused and demanded that I tell her why. I told her that she was making me uncomfortable and put me on an extended hold until I hung up. I asked her for details of my escrow account and she refused by stating I couldnt access it right now. I asked for an amount. I would like to reopen my previous case as well bc I was sick  due to this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MN

Complaint narrative:
Collection account showing as open on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened a XXXX XXXX  with Comenity Bank on XX/XX/XXXX and I still havent received the welcome bonus offers that I was advertised when opening up the credit card. I fulfilled the spending requirements by spending more that {$500.00} in the first 60 days of the card ( i reached the {$500.00} in my first week of getting the card and paid in full all my balances for that statement month ). 

This is clearly false advertising. I contacted the bank several times and they say they have escalated my case many times but no one is giving me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc.
State: NV

Complaint narrative:
I was referred to this program by my creditor, XXXX  XXXX XXXX, via Accredited Debt Relief under the guise of credit counseling. After acknowledging this was not then right solution for me, I cancelled within the three business days stated in the contract. I was told a manager would call me, but I only found automated voice messages in my inbox. I called, and a representative, XXXX, was very difficult in processing my cancellation. He tried multiple times for me to continue with the program despite my insisting. I even yelled stop twice from the top of my lungs, which made him go silent for 15-30 seconds until he finally realized I wouldnt budge. He also told me I would receive a confirmation email, which never happened. This was an extremely predatory experience, and I would have much rather have dealt with collections agency than this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
I am writing this letter to submit a complaint regarding the permanent limitation placed on my PayPal account XXXX. I believe that this limitation has been placed on my account due to a mistake, and I would like to appeal this decision. 

I would like to emphasize that I have not violated any PayPal policies, and I have always conducted my transactions in accordance with PayPal 's terms and conditions. Therefore, I respectfully request PayPal to re-investigate my case and restore my account if possible. 

I understand that PayPal takes its policies very seriously and enforces them strictly to ensure the safety and security of its customers. However, I am confident that upon further review, it will be clear that I have not engaged in any activity that violates PayPal 's policies. 

I have been a loyal PayPal customer for many years and have always appreciated the convenience and security that PayPal provides. Therefore, I would be grateful if you could kindly reconsider the permanent limitation on my account and allow me to continue using PayPal 's services. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX  or XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
I am a military service member Ive XXXX a number of times it is only now that I am trying to pcs that Ive discovered fraudulent accounts opened in my name that I did not consent or authorize. This is a defamation to my character. Considering credit is all I have to my name. Companies have contacted me threatening to seize my assets and kick me out of the military due to something I am completely unaware happened. This in breach of the law 15 USC 1681.

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 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Subject : Rescission of contract due to non-enforceability and refund of down payment and all payments made. 

Dear Santander Consumer USA, I am writing to demand that you rescind the contract that I signed with your company for my auto loan and refund all payments made towards the loan agreement. As per my understanding, the contract is non-enforceable due to my breach of the contract by defaulting on the loan payments. Therefore, I request that you return all payments made towards the loan agreement. 

I am aware that the doctrine of anticipatory repudiation allows for a contract to be considered void if one party breaches it before the contract has been fully performed. In this case, I breached the contract by failing to make the loan payments, making the contract non-enforceable. As a result, I have the legal right to rescind my signature on the contract and demand a refund of all payments made. 

Furthermore, I demand that you remove the account from my credit report and delete the inquiry. Under the Fair Credit Reporting Act ( FCRA ), you are required to provide accurate and complete information to credit reporting agencies. Since the contract is non-enforceable, you are not authorized to report it to credit reporting agencies, and doing so would be a violation of the FCRA. Therefore, I demand that you remove the account from my credit report and delete the inquiry immediately. 

I am well-informed of the legal standing on this matter and I will not hesitate to take legal action if necessary. It is my right to rescind the contract and receive a refund of payments made due to my breach of contract. If your company fails to comply with my demands, I will be left with no choice but to take legal action against your company. 

Please acknowledge receipt of this letter and confirm in writing that you will comply with my demands. I expect a prompt response from your company. 

Sincerely, XXXX XXXX References XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation