vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Account Name : XXXX XXXX XXXX To whom it may concern : You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance this is inaccurate reporting and needs to be deleted immediately.

Please mail me a physical copy of my credit report when the above deletion has been executed. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Original account XXXX XXXX XXXX Did not disclose Financial Impact notice Did not provide Fiancing agreement. Attempted to collect debt through company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold the debt account 7 years later to AWA COLLECTIONS who also did not provide Financial impact notice, violated CA Civil Code 1799.91, unlawfully increasing account balance monthly as revolving debt. 

My mother was the signer of bail agreement, the debt was not mine. The bail was posted for me. The signer my mother was not given a Financial impact notice CA law requires bail bonds agencies to provide this documentation as per CC 1799.91 I myself, never signed the financing agreement, or gave my information to obtain credit under my name. The debt collection agency AWA COLLECTIONS is illegally attempting to collect this debt from me. I have hired an attorney to proceed with a civil lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: PA

Complaint narrative:
I received a copy of my reports from TransUnion, XXXX, and XXXX. 
I found several errors on accounts as well as misinformation across the three consumer reporting agencies. After disputing the information, there's still errors.

It's not possible for the information to be correct " verified '' and different at the same time.

They refuse to provide proof of how they verified the information.

I know this violates my consumer rights.

I would like to exercise my right under -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I am opting out from TransUnion, XXXX, and XXXX from reporting on 7 of the accounts on my consumer report. 

I have provided the proof. 
The seven accounts to be removed from my reports due to Metro2 Noncompliance are as follows : 1 ) XXXX XXXX  - Opened XX/XX/XXXX 2 ) XXXX Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX Opened XXXX, XXXX 4 ) XXXX  XXXX Opened XX/XX/XXXX 5 ) XXXX/ Opened XX/XX/XXXX 6 ) XXXX XXXX  Opened XX/XX/XXXX 7 ) XXXX XXXX Opened XX/XX/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 non-monetary relief
Consumer complaint received 2023-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2023-06-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, 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 2023-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Marcus XXXX XXXX  advertised a promotion that said to add {$10000.00} to Saving account for 90 days and they would credit account {$100.00} bonus. I did that and kept added funds in savings account for 91 days before moving some of it to a Marcus CD.

I called Marcus to ask why I never received the bonus I was told it needed to stay in account 90 plus 10 additional days.

Some of the Marcus advertisements do not mention the additional 10 day requirement. In addition many of the financial bloggers that promote this offer do not mention the added 10 days either.

The fine print is so complicated that many people cant understand it. Marcus advertise the 90 days, not 100 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Deinde Online Services, LLC
State: OH

Complaint narrative:
Company claims I owe a debt that doesnt show on my credit reports. Ive requested loan documents be sent to my mailing address with no luck. They just wait 30 days then start harassing me and my family members daily. It is very unsettling that they refuse to provide proof this is indeed my account. At this point i would like calls pulled that verifies i asked for supporting documents along with call logs that cooperate what i am saying. If they cant provide that i would like the calls stopped and information removed under my name. At this point its harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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:
This is my several letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : A. the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the alleged identity theft.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: LA

Complaint narrative:
Ive submitted 3 letters requesting proof that the charges are mine. I did not purchase anything! I do not own a home and have never need to purchase anything regarding the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XX/XX/2023 noticed I was taken to collections for a XXXX payment I was not aware of never opened anything for XXXX personally or willingly. 

XXXX is owed and in collections impacting my credit heavy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXXk ( XX/XX/XXXX ) Please forward me any documentation providing proof I applied for credit with this creditor. If you cant provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/2023, I contacted Heartland ECSI, my loan servicing company for XXXX XXXX, because I had not received the billing statements sent. I received my first billing statement, took action, and called to inform an agent that I was not being billed and also let them know my address was incorrect on my bill. I was transferred to a supervisor who created a ticket and told me they could not service my loan even though they were the servicing agent for my loans ; this was due to restrictions placed by my school. 

I then logged into Heartland 's website and paid {$240.00}, the current amount due, less a late fee. The next day XX/XX/2023, I was called by a representative of XXXX XXXX who told me the late fee would be reversed, and my loans would be marked current since I was not billed. Today XX/XX/2023, I logged in to ensure no payment was due since this is the billing cycle, and I am being rebilled the {$270.00}, and the loans are delinquent. This is not the information I was told and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
The insurance company paid off what the vehicle was worth and they also made me take out coverage that I didnt asked for said I had to do it to be approved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They never told me that direct depositors will need to have new routing instructions. 

I, an XXXX man, had to spend 2 1/2 hours on the phone with Capital One, and now have to deal with government agencies to make sure that the pensions go into the right account. Another nightmare caused by their negligence. 

Also, they never addressed the fact that it took a week to notify me instead of calling me immediately. 

They also did not explain why the XXXX XXXX branch expected me to carry my passport. 

Also, they could not text me on the cellphone that they forced me to buy in order to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Calling 3x a day to collect the monthly car loan. Calling 3x a day even when I am with the ten day grace period. I pay the bill every month at the same time but the calls are 3x a day even after asking them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
Pursuant to the Fair Credit Reporting 15 USC 1681 states the following : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The information shared without consent about student loans is not lawful. It is my right to privacy as a consumer pursuant to 15 USC 6801 which states : It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers non public information. I am the consumer. The Family Educational Rights and Privacy act ( 5 USC 552a ) is a federal law put in place in 1974 to PROTECT THE PRIVACY OF STUDENT EDUCATION RECORDS wether public or private schools. 20 USC 1232g ( b ). 
XXXX XXXX XXXX and US DEPT OF EDUCATION is to be removed immediately from all consumer reporting agencies. 
The term record means any item, collection or grouping of information about an individual that is maintained by an agency, including but not limited to, his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, criminal or employment history and that contains his name or identifying number, etc.

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 2023-06-02 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: TX

Complaint narrative:
Pursuant to the Fair Credit Reporting 15 USC 1681 states the following : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The information shared without consent about student loans is not lawful. It is my right to privacy as a consumer pursuant to 15 USC 6801 which states : It is the policy of XXXXongress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers non public information. I am the consumer. The Family Educational Rights and Privacy act ( 5 USC 552a ) is a federal law put in place in 1974 to PROTECT THE PRIVACY OF STUDENT EDUCATION RECORDS wether public or private schools. 20 USC 1232g ( b ). 
XXXX XXXX XXXX  and US DEPT OF EDUCATION is to be removed immediately from all consumer reporting agencies. 
The term record means any item, collection or grouping of information about an individual that is maintained by an agency, including but not limited to, his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, criminal or employment history and that contains his name or identifying number, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
Pursuant to the Fair Credit Reporting 15 USC 1681 states the following : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The information shared without consent about student loans is not lawful. It is my right to privacy as a consumer pursuant to 15 USC 6801 which states : It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers non public information. I am the consumer. The Family Educational Rights and Privacy act ( 5 USC 552a ) is a federal law put in place in 1974 to PROTECT THE PRIVACY OF STUDENT EDUCATION RECORDS wether public or private schools. 20 USC 1232g ( b ).

XXXX XXXX XXXX  and US DEPT OF EDUCATION is to be removed immediately from all consumer reporting agencies. 
The term record means any item, collection or grouping of information about an individual that is maintained by an agency, including but not limited to, his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, criminal or employment history and that contains his name or identifying number, etc.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Was purchasing Airline tickets on Frontier Airlines website on XX/XX/XXXX of this year. They had an offer for their credit card, for if youve approved you can use the card to purchase the tickets. Was approved and continue to purchase, but there was an error utilizing that card. Called Customer Support for the Frontier Airline card and discussed the issue. After going back and forth with him, he stated that was a well known issue and nothing he could do at this time, it sometimes takes a day or two to the symptoms to sync. Also stated that the {$89.00} annual fee isnt charged for the first year. Asked him a few times, just didnt believe him. 
So I applied for the card to pay for the tickets, couldnt use the card, as soon as your approved the account is opened and I owe the {$89.00} fee. Can not cancel once approved. This is a scam that Frontier Airlines is using. The customer service representative that I just spoke with also said that it was a well known issue with not being able to use the card to purchase the tickets. They advertise it with a {$200.00} statement credit, so of course thats a lot of money towards the tickets. Again couldnt use it, cant cancel the account without owing them {$89.00} fee. Again they are aware of the issue with purchasing. 
That to me is a scam!!!

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