vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I have repeatedly asking this company to contact me at my place of employment. This was done in XXXX of XXXX, XXXX of XXXX, and today, XX/XX/XXXX. The gentleman, XXXX XXXX as he stated, who contacted me was very abusive and used threatening language during the call, yelling at me, and telling me to pay my bills, etc. Despite the numerous times I have asked the company to refrain from contacting me at work, they continue to call. I previously provided an alternate means of communication and they continue to contact me while at work, putting my job in jeopardy.

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 2022-07-22 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: MD

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
My winnings were taken at a Ohio casino for alleged money owed to state of Ohio and I have sent proof of residence for year in question which shows I was not living in Ohio at the time please have Ohio XXXX attorney General and reliant capital return my money please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have information that i disputed. Months ago, that is still their. Experian told me that they deleted it but it is still showing. I should only have XXXX address on file not XXXX old address.

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 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022, opened a small business account for my sole proprietorship in response to an advertisement offering {$200.00} bonus for opening account, depositing {$1500.00}, and accessing online banking within 30 days. Upon attempting to register for online banking, received multiple error messages, so decided to call the online banking helping phone number on XX/XX/2022, where I was advised that I would have to visit a branch to establish online banking. I therefore set up an appointment at the XXXX XXXX XXXX for XXXX XXXX ET on XX/XX/2022. Upon arrival, I was advised that only XXXX banker was available and there were XXXX customers waiting and was asked by the teller if I wanted to wait or come back, of which I declined both stating my existing appointment. I find this level of service unacceptable and an obvious hinderance to receive the opening account bonus.

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Comenity Bank aka Bread Financial handles our XXXX XXXX It is my practice to always review my account online before paying my monthly bill in full. I do this to ensure that there are no fraudulent or spurious charges on my bill. Comenity Bank website has been down since approximately XX/XX/XXXX, i.e, OVER ONE MONTH. Comenity Bank, I have come to learn, handles over 100 consumer credit cards, and all of these consumers are experiencing this same issue or worse. You can review Comenity Bank 's XXXX account for a flavor of the range and volume of complaints. Comenity is sharing very little other than short, canned responses that a system upgrade has taken longer than anticipated. I had worked in XXXX  for some 30 years ; an outage that lasts more than one month ( and counting ) is absolutely egregious. Please look into this, not just for my sake but for the many consumers impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: NY

Complaint narrative:
TransUnion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report TransUnion which you have provided. XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 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 2022-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
We spent four hours on the phone Tuesday XX/XX/XXXX to get the conditional approval so there wont be an issue. The loan officer is literally the most incompetent  person Ive ever spoken to. I had uploaded income documents to the portal and he never checked it, only used documents I had emailed him which was half of our income. Didnt input our assets or savings account so the file showed we were $ XXXX short for cash to close, and didnt send us the conditions from the XXXX that needed to be cleared. Just told us it was suspended. I called my bank and gave them proof of assets and additional income on Wednesday via email and the portal and confirmed receipt. The conditions were cleared and file went back to XXXX. I dont understand why the process is so difficult for them to grasp that time is of the essence but theyre doing a disservice to everyone involved. We are now at risk of being sued by the seller and forced to close, but we want to close with a loan and not in court. We were granted prepossession of the property on XXXX and contract closing was XX/XX/XXXX. Its not XX/XX/XXXX and we have extended our rate lock and closing twice, with no end in sight. The lender is refusing to answer emails, calls, or texts, and only states the file is in XXXX review when we berate him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: MD

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX IN account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX ; XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX Account 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

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 2022-07-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: TN

Complaint narrative:
Receivable management collections placed a collections account on my credit report for {$310.00}. This is fraudulent and not my account I need to have it removed as soon as possible

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 2022-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
Debt recovery solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Bought a debit from XXXX XXXX in the amount of {$320.00} It has been reported to all three credit bureaus that this account was opened on XX/XX/XXXX, and is now in collections. It has an estimated removal date of XX/XX/XXXX. This account has been re-aged. I attempted to dispute this information with all three credit bureaus in XXXX of this year. However, all of them returned my dispute as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TN

Complaint narrative:
In accordance with the XXXX XXXX XXXX ( XXXX ), account XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-22 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: TN

Complaint narrative:
In accordance with the XXXX XXXX XXXX ( XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I have sent several letters and called consumer portfolio services who are reporting a repo on my credit. Today is actually the XXXX day since I wrote them the first time and they refuse to verify the debt. I have asked for a sign contract and also the info from auction as I was not notified of anything. They will not return my calls nor letter. Since they can not verify it should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: GA

Complaint narrative:
On XXXX XXXX, my cell phone was lost at XXXX. I replaced cell phone and when I logged into my accounts ; The transactions I noticed were unauthorized I was able to cancel. and received credit. Then on XXXX I noticed until XX/XX/2022 I became aware the person who stole my cell phone had sent {$4200.00} to either themself or someone they know and had used my digital debt card and made purchases. I contacted customer support through my cash app support. The support representative stated there was no recourse to recover any money and sent me information on how to better protect my money. A couple of days later on XX/XX/XXXX contacted support again and once again i was told they can do nothing, to recover my money and to be more careful. After speaking with law enforcement and filling a police report, they informed me I could recover money because it was fraud and an unauthorized transaction. Therefore, I did my research and come to find out the same regulations govern cash app and I have zero liability to unauthorized transactions. Once informed with information, I contacted cash app support. This time, I stated I knew the regulations and I could dispute charges. Only then was I able to dispute charges, but I have still been unable to dispute the {$4200.00} transaction. Nor do I have a card ending XXXX Cash App intentionally gave me false information, which prevented me from filling a claim on the unauthorized transactions. I still can not file a claim for XX/XX/XXXX XXXX XXXX XXXX - {$4200.00} Further, the transactions I have been able to make a claim on listed below : THE XXXX XXXX - {$96.00} Debit XXXX XX/XX/XXXX Cash Card THE XXXX XXXX  - {$67.00} Cash app has sent me two emails stating my claims where approved and I received credit, but I have received no credit to my account. I have contacted them many of times. Each time support states my account was credited, I then provide them a screenshot of my account proving I did not receive credit and conversation abruptly ends with no resolve. Upon checking with the merchants they have all stated the charges were credited back to my account.

Company response to consumer: Closed with explanation