vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In my previous CFPB complaint XXXX, I asked a question that I was told by American Express representative that I can now only redeem my American Express reward points to gift cards, I can not redeem them in other ways such as transferring to partnership airline award programs. I believe I should still have the opportunity to redeem my remaining reward point via transferring to a pre-established partnership airline award program, or other methods other than gift card redemption. I have more than XXXX points in total to redeem, I want to transfer these points to XXXX XXXX points that i have pre-established the transfer before. However, I was told I can not redeem this way, only option i have is Gift card redemption. American express closed the complaint without providing answer to this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX 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 2023-05-26 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: GA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX, XXXXTransunion responded but XXXX and XXXX 's XXXX is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX, XXXX responded but Experian and XXXX 's XXXX is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: CA

Complaint narrative:
I received an unsolicited debit card from Netspend all-access on XX/XX/23. When I call the number listed on the card ( XXXX ) or the number listed on the terms and agreement ( XXXX ), it makes me try and activate my card. Due to the fact that I did not request the card, I do not want to proceed with the activation process. When I ask for an operator or hit zero ( " 0 '' ) I get disconnected. The terms and agreement list the CFPB as the next step if there are issues.

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 2023-05-26 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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-26 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: NJ

Complaint narrative:
I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called Transunion on XX/XX/2023 and spoke with XXXX XXXX who refused to provide me details of my previous disputes and the creditors removed as a result of those disputes. He also refused to escalate the call to upper management stating " the buck stopped with him there was no else who I could speak with. I explained that multiple creditors who were previously removed through the dispute process were resold to third party collectors. I recently disputed the accounts that are now back on my credit report and Transunion concluded they were valid w/o any actual proof from the creditors only by electronic confirmation. Transunion has failed to make sure that the information that is being reported is true and accurate. If I am disputing an account due to it being nearly XXXX Years old why aren't they asking for proof of the debt I'm disputing due to it being to old. Why are they allowing the creditors to simply send electronic correspondence with the exact information they are reporting. Transunion refusal to provide previously disputed information is a direct violation of the FCRA which is allowing them to not be held accountable for their wrong reporting.

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 2023-05-26 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 COLUMBIA DEBT RECOVERY LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Columbia Debt Recovery LLC , doing business as XXXX regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ). 

Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. 

According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX out the balance of this account. 
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was zeroed out via email. 
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. 
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 

I expect full compliance with this request within fifteen ( XXXX ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company. 

Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Columbia Debt Recovery LLCXXXX XXXX XXXX 

Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. 

Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. 

Sincerely, XXXX XXXX XXXX XXXX and Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Global Lending Services Account XXXX. XXXX, has violated my rights as a consumer in several ways. 
1. Global Lending has denied my request to pay off the account according to the Retail Installment Agreement. 
2. Global Lending refuses to send the title to my vehicle after denying my request to pay off the vehicle. 
3. Global Lending has charged off and reopened the account it several times. Each time the account is reopened, more money is added to the balance. 
4. Global Lending has charged off the account, and has not provided to me the proper IRS documentation. 
5. Global Lending is reporting the tradeline on other individuals credit reports. 
6. The company has made changes to my original contract without my knowledge, approval, nor signature. 
7. The company has denied sending a copy of the original retail contract for over a year. A copy of the contract was provided after submitting a CFPB complaint in XXXX of XXXX. 
8. The company has reported incorrect payment information to the credit bureaus on a consistent basis. As of today, on XXXX, the account indicates that I was never late and the account being closed on XX/XX/XXXX. On XXXX the account is listed as being charged on XX/XX/XXXX. 
9. The last payment I made to the creditor was XX/XX/XXXX. Global Lending is reporting I last made a payment .on XX/XX/XXXX. 
10. The creditor falsely reports that I have made payments in XXXX ; reporting 30, 60, and 90 late statuses on the tradeline to all 3 credit bureaus. On XXXX, the account was closed and reopened reporting to my credit report as follows : 1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} 11. When disputing the inaccurate information with the credit bureaus, Global Lending verifies the inaccuracy as being valid information. 
12. I have reported Global Lending to the Illinois States Attorney Generals Office. They were nonresponsive for months. I was advised to retain counsel for their malicious practices. 
13. I have disputed this account several time with XXXX, XXXX, and XXXX. All bureaus continue to report inaccurate information. I have been advised by all 3 bureaus my dispute was frivolous, and they will not investigate. 
14. All parties have been reported to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Submitted my PSFL form and was notified on XX/XX/XXXX that my Federal Unsubsidized loans have met the XXXX loan repayment. No further action has been taken on my account to move this loan and show it as forgiven with a XXXX balance and have it show a XXXX balance on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
I have a fraudulent auto loan reporting on my credit that was opened on XX/XX/2018 that I am refuting. I have never applied for services nor extended my credit to this provider in any matter. This loan is the result of an identity theft that was done without my knowledge or consent. The loan amount is for {$16000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is an ongoing issue with Capital One and I have had nothing but problems dealing with this credit card company. I opened up an account on XX/XX/2023 and which I was told I could do a balance transfer in which they did not happen because something was wrong with their computer system. Finally on XXXX XXXX  XXXX XXXXI was able to get through to make a balance transfer but now I am finding out that its still pending and the balance transfer wont even go through before the XXXX of this month and which I told all customer service representatives and a supervisor that it needed to go through before XXXX XXXX XXXX XXXXXXXX. I was told it would only take 3 to 5 days once my balance transfer was not pending anymore. Now I am hearing for the first time from a supervisor that it will take 15 more days after the 3 to 5 days before a check can be issued to my other credit card company for the balance transfer amount. So today I had to cancel the balance transfer because Capital One did not start the balance transfer process when I first called initially because they were having computer issues. Had Capital One taken care of the balance transfer immediately The balance transfer would have taken place already and my other credit card company would have received payment for balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I opened an email that said my credit score has changed so I looked at it, as usual, and my score has gone down XXXX points for no good reason. There is nothing in collection and no hard inquires, I would love to know why my credit score keeps going down 20+ points with nothing negative showing up to make that happen when it takes MONTHS just to have a few good points.

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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app after I deposited money into my account, XXXX dollars were taken saying they are correcting a transaction error that occurred between XX/XX/XXXX and XX/XX/2023. Apparently, they are taking money from everyone 's account and saying similar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-05-26 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: PA

Complaint narrative:
EQUIFAX  IS  IN  WILLFULL  VIOLATION  UNDER  15 USC 1681e -  COMPLIANCE PROCEDURES.  EQUIFAX  HAS  BEEN  GIVEN  PROPER  NOTICE  OF  THEIR VIOLATI  ON  AND  CONTINUE  TO  PLAY  CHILDISH  GAMES  AND  PROLONG  THEIR   GRAVE  DUTIES  AND  OBLIGATIONS.  EQUIFAX  WAS  REQUESTED  TO EXERCISE  THEIR  GRAVE  DUTIES  AND  FCRA  OBLIGATIONS  UNDER  15 USC 1681a(1)(2) - EXCLUSIONS -- AND  REMOVE   ALL  TRANSACTIONAL  ACCOUNTS THAT   CONGRESS  HAS  DEMANDED  BE  REMOVED  UNDER  THIS  PROVISION. UNDER  THIS  PROVISION. EQUIFAX  HAS  INSTEAD  SENT  A  LETTER  STATING  THAT  THEY  COULD  NOT  VERIFY  ME  WHEN  IN  FACT  IT  IS  A  STALL  TACTIC  BECAUSE  EQUIFAX  WAS  GIVEN  PROPER  VERIFIABLE  DOCUMENTS  LIKE  MY  LICENSE  AND  A  BILL.  EQUIFAX  IS  CHOOSING  TO  NOT  PERFORM  ITS  DUTIES  WITH  REGARD  AND  RESPECT  TO  THE  CONSUMER  AND  IS  WILLFULLY  VIOLATING  FCRA  REQUIREMENTS.  EQUIFAX  HAS  ALSO  COMMITTED  FRAUD  BY  FURNISHING  TRANSACTIONAL  ACCOUNTS    THAT  HAVE  BEEN  CHARGED  OFF  AND  WRITTEN  OFF  WHICH  IS  AGAISNT  FEDERAL  COURT  CASE  LAW  RULING  Mund v. Transunion Persinger v. Sw. Credit Sys  WHERE  IT  WAS  RULED  ACCOUNTS  THAT  HAVE  BEEN  CHARGED  OFF  SHALL  NOT  BE  REPORTED  FOR  THE  DEBT  NO  LONGER  IS  OWED  BY  THE  CONSUMER.  EQUIFAX  HAS  STATED  THE  ACCOUNTS  MEET  FCRA REQUIREMENTS  SO  I  DEMAND  EQUIFAX  PORVIDE  SUCH  REQUIREMENT  STANDARDS  IN  RELATION  TO  15  USC  1681a(1)(2)  AND  15  USC  1681e.  EQUIFAX  IS  AN  ELABORATE  MECHANISM  THAT  ASSUMED  ITS  ROLL  TO  REPORT  NEGATIVE  TRANSACTIONAL  INFORMATION  ON  MY  CONSUMER  REPORT   THAT  CONGRESS  DEMANDS  NOT  BE  REPORTED  AND  HAS  ALSO  COMMITTED  FRAUD  BY  REPORTING  COLLECTION  INFORMATION  WHICH  IS ALSO A VIOLATION  UNDER  THE  FCRA  AND  FEDERAL  COURT  CASE  LAW   AND  CLAIMS  IT  MEETS  FCRA  REQUIREMENTS  IN  HOPES  TO  TRICK  AND  LIE  TO  THE  CONSUMER  AND  C.F.P.B.

Company response to consumer: Closed with explanation