vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX  I had requested to get my free annual credit report. I was denied of getting my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I signed up for a free subscription with Experian. 
However, after trying to cancel the subscription because I wasnt satisfied with the services and also because it was advertised that i would be able to cancel anytime free of charge, I was unable to because Experian locked me out of my account stating that i will not be able to get back into my account or view my credit report unless I pay the subscription. 
This is clearly a violation of my consumer rights and is also fraud & deceiving.

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 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
Radius Global Solutions slammed my credit with the credit bureaus with a utility account that was fraudulently put into my name without my knowledge or permission. This is literally an extortion scam with collections wherein someone is going to blindly pay on account that is not theirs in an attempt to fix credit. This needs to get off my credit and the credit bureaus immediately!! These collections attempts of debt that is not mine needs to stop!! See enclosed identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: AZ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I file a late payment dispute online on XX/XX/2023 with Experian on XXXX credit card. I found late payment on my credit report, but according to law. I am a consumer and therefore they can not be putting negative statement on my consumer report. 15 U.S. Code 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is against the law for Experian or XXXX to be reporting late payment on my consumer report. I ask them to please remove the late payment information from my consumer report. This is hurting my report. This is causing me to deny of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We have newrez or shell point, we tried to get money out of escrow, they do it pay homeowners on time, and just screw up on everything. They say they can pay homeowners insurance 30 days late while I get letters from home owners insurance that they will drop. We put 50 % down and have never been late. They said we dont meet requirements which we do. Calling lawyer and states attorney for XXXX over old people. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: ND

Complaint narrative:
Harassing and sending people to my place of employment. Have already settled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: AZ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
I'm being approved for the Homeowner Assistance funds for XXXX XXXX mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payments are past due because they aren't applying the payment on time. Last month on XXXX XXXX they applied the XXXX payment that was send on XX/XX/2022 more than 30 days later. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/2022 HAF send the XXXX payment and as of today nothing is applied in my account. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. Charged late fees and reported to the Credit reporting agencies when in reality the checks get on time to the company. Why if they are sending the payments on time, it is taking more than a month to be applied in my account???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NC

Complaint narrative:
1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my XXXX history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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

Complaint narrative:
Subject : Request to Reinstate My Personal Paypal Account : XXXX Dear CFPB, I received email from Paypal with this information saying that my Paypal account was Permanently Limited due to sale of XXXX oriented materials or services ( as stated in PayPal ( Ref ID - XXXX ) ) which is NOT TRUE because I have been using this Personal Paypal Account for over 10 YRS now in my VA Freelancing Services. I am NOT aware of and have no knowledge about that, hence I am only selling Digital goods and Services that include Copywriting, Content Creation, SEO Keywords Research and Competitors Analysis, Web Design, and content creation and Social Media management where I deliver to my individual clients and the clients pay me per task or per project. I have attached the Summary of Invoice for the month of XX/XX/2023 at the bottom. Kindly see the attachment. 


Please HELP to reinstate my personal Paypal Account as I am losing income from services that I have been receiving on a daily basis from my Clients since I cant use this paypal for permanent limited reasons. Here is the detail of my Paypal Account for your reference ; Nature of Request : Reinstate and lift the PERMANENT LIMITATIONS Paypal Address : XXXX Paypal Name : XXXX XXXXXXXX Hoping for your immediate action on this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: AZ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
The company is called LVNV funding & gave law firm for legal judgment. They never called and if they did call it came up spam or unknown. This debt is from XXXX and never heard from anyone through the pandemic. 

Law firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Either XXXX XXXX  or law firm NEVER attempt to make any Financial arrangements with this old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NC

Complaint narrative:
I reached out to the CB Equifax and stated that I had disputed information with the creditors southwest credit systems and that I had sent them disputing the validity of the information that they were reporting to Equifax. I sent the letter via postal service on XX/XX/22 certified mail and received a certified mail receipt. XXXX. XXXX XXXX XXXX never responded to my dispute so I disputed via Equifax asking them to remove/delete the information due to no response from the southwest creditor systems. please remove/delete southwest credit systems from my Equifax report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CO

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  XXXX ( Date Opened :, Balance : {$0.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Information is inaccurate from credit bureau. Report is stating closed from TransUnion and XXXX but XXXX is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX XXXX date TransUnion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: PR

Complaint narrative:
This is NOT a duplicate complaint to previous one filed.- XXXX US Bank has NOT paid the fine authorized by CFPB for {$37.00} XXXX or the fine for opening unauthorized accounts in XX/XX/XXXX : XXXX XXXX XXXXXXXX US Bank has NOT paid the fine authorized by Southern District of New York fines that were supposed to be paid in XXXX two years after the lawsuit in XXXX for {$520.00} XXXX : XXXX XXXX XXXXXXXX US Bank opened several unauthorized accounts and money transfers in XXXX. 

1 ) Unauthorized opening of guardian account for XXXX XXXX by XXXX XXXX without a guardianship award by a court of law 2 ) Unauthorized transfers of XXXX XXXX 's money, over {$10.00} XXXX, from Oregon US Bank accounts into XXXX XXXX 's online US Bank accounts in Florida and monthly guardian account transfers 3 ) Unauthorized changes of US Bank IRA beneficiaries on XXXX XXXX 's accounts by XXXX XXXX enabled by US Bank 4 ) US Bank Non-compliance with subpoena in XXXX 5 ) US Bank is responsible for money laundering and BSA violations of stolen money from XXXX XXXX 's accounts US Bancorp refused to pay the {$37.00} penalty levied by CFPB or the Southern District of New York penalty of {$520.00} XXXX for these violations

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 2023-02-09 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: FL

Complaint narrative:
Very simple. Promotion was Earn a {$100.00} statement credit when you open and use the Sony XXXX within 60 days of account opening. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. 

On XX/XX/2022 I received an email from Comenity stating " Youve made your first purchase with your Sony XXXX Credit Card, which means your {$100.00} statement credit is on the way! Keep using your Sony XXXX to earn another {$50.00} statement credit when you spend {$500.00} within 60 days of account opening. '' XXXX XXXX XXXX of Comenity claims " On XX/XX/2022, a {$100.00} statement credit was applied to the account. New cardholders receive a {$50.00} statement credit after the first card purchase. New cardholders also receive an additional {$50.00} statement credit after spending {$500.00} or more within 60 days of account opening. '' He is referring to the current promotion, NOT the promotion that was in effect when I got this card ( as proved by the bank 's email to me ). XXXX XXXX also fails to notice that the initial {$100.00} credit to me was paid BEFORE I spent {$500.00}, so his explanation is obviously incorrect. 

I reached the {$500.00} total of XX/XX/XXXX. 

All I ask is that the bank live up to the terms of the promotion. I have included copies of the bank 's XXXX email to me, a second email dated XXXX stating " Dont miss out on another {$50.00} statement credit '' and XXXX XXXX XXXX letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Fraudulent activity on account was reimbursed to us. But then we were told we had to pay it back. And they can not produce a paper trail where fraud checks were credited back. Amounts were {$700.00}

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 2023-02-09 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: NC

Complaint narrative:
1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my Transaction history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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: NC

Complaint narrative:
1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my Transaction history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
I received two letters from Steel River Systems , LLC saying I owe a debt to XXXX XXXX XXXX that they have bought. This debt they are referring to was settled with XXXX. I remember having to write all the credit bureaus to prove to them that it was settled so they could take it off my credit report. I called XXXX and they will only confirm that they have recently sold information to Steel River Systems LLC. but would not comment on my specific account. I called XXXX XXXX and informed them that their information is wrong and they insist I owe this debt to them. This debt is dated from Steel River XX/XX/2004. I wish to no longer be contacted regarding this misinformation. Their reference number is 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 2023-02-09 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: IN

Complaint narrative:
Please see 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