vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letters to EXPERIAN, XXXX, AND XXXX on XX/XX/2022 and XX/XX/2022 and its been well over 30 days and I still haven't received anything stating why these collection aren't removed. According to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX have 30 days to respond to my dispute this is a VIOLATION of my rights

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 2022-11-09 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: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory XXXX party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: January Technologies, Inc
State: NJ

Complaint narrative:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory XXXX party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized XXXX parties listed in the notarized affidavit and complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Hello, Venmo has frozen my account without any explanation at all. They are demanding I send them a scanned copy of my drivers license along with a picture of me holding my license. 
I tried to make a payment to a friend on XXXX XXXX and my account was frozen. 
Venmo will not offer any sort of explanation at all and has locked my account, which has money in it. Money that I can not access or transfer to my bank. 
Any help would be appreciated. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a XXXX XXXX XXXX XXXX XXXX  account XXXX  Credit card limit {$3200.00} Someone stole my identity and I believe its a fraud because I applied for a job online and I worked for them almost XXXX months then they disappeared. 
The company website XXXX I reported them to the FBI and the XXXX XXXX XXXX yo investigate the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have different people running my credit for no reason and have a fraud using my account of a credit card for capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
I am a male, XXXX  years of age. The E*Trade bank has refused service. Although the bank has verified all information. The bank on several occasions has been provided with all identifying information including, licenses, passport, written statements. However, the banks keeps on categorizing the account based on gender identity. The bank has also frozen the funds and therefore payments are not generally happening successfully. this has become very frustrating and it is very time consuming and frustrating. And expensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, There's a suspicious credit inquiry on my TransUnion credit report that I did not authorize nor applied for on XX/XX/2022 by XXXX XXXX. This appears to be an error by the creditor/TransUnion and/or possible theft of information.

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Was charged XXXX on the XXXX of XX/XX/2022 lexington law took my money they said no payment until they fixed my situation I told them I was mislead they were rude and mocked me I just qant what wasl promised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: GA

Complaint narrative:
Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name ; XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the XXXX attorney in fact, so be it ; As the natural man the company has violated my consumer rights in more than one way and has caused damage to my reputation.

15 U.S. Code 1681 ( a ) States : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 

It is a fact, no authorization nor consent was provided to post on my credit profile. 

It is a fact, no contract was signed with wet ink between me and this credit reporting agency to collect personal financial information. 

It is a fact, that my right to privacy is being violated by use of unfair credit reporting methods. 

It is a fact, that my consumer rights are being violated.

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 2022-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was invited to Open my Trust account at Truist Bank After making an appointment with the Bank Manager I was advised after I would recieve a call after the FINANCE TEAM has reviewed my documents. ALL of My documents are Authenticated and on County Records and I was told after I continued to call and ask why was it taking over XXXX weeks when it only takes about XXXX days for documents to be approved. The day I call and express to the Bank that I am feeling disscriminated against as I felt the same day I took My DOCUMENTS IN TO BE VIEWED I asked if there was any type of preference due to the way I was questioned about my account. 

once The treat to contact CFPB and XXXX the next day I am denied an account all due to BIGOTRY AND DISSRECMINATION AGAINST ME AND MY TRUST. I was treated with the utmost dissrespect and when speaking of the misstreatment of the Bank I am then turned away. 

I know my personal information has been used for its SOURCE DATA AND I expect this matter to be looked into and resolved as to the bigotry i experienced there will be legal actions propsed against Truist Bank. after holding and looking into my private paperwork and if it was not up to par then why would it take over XXXX weeks to say that it could not be opened? please look into this asap

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 2022-11-09 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NC

Complaint narrative:
I sent letters to XXXX, TRANSUNION, AND XXXX on XX/XX/2022 and XX/XX/2022 and its been well over 30 days and I still haven't received anything stating why these collection aren't removed. According to 15 USC 1681 I ( A ) ( I ) ( A ) XXXX, TRANSUNION, AND XXXX have 30 days to respond to my dispute this is a VIOLATION of my rights

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 2022-11-09 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 sent letters to XXXX, XXXX, AND EQUIFAX on XX/XX/2022 and XX/XX/2022 and its been well over 30 days and I still haven't received anything stating why these collection aren't removed. According to 15 USC 1681 I ( A ) ( I ) ( A ) XXXX, XXXX, AND EQUIFAX have 30 days to respond to my dispute this is a VIOLATION of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
On XXXX XXXX velo law started garnishing my wages on an account from XXXX i have never owned a credit card they garnished XXXX dollars. I hired a lawyer XXXX XXXX i never recieved any information from any party. XX/XX/XXXX ipaid XXXX dollars cashier check with certified mail which velo law has recieved because i checked tracking number. i have called multiple times they say they can not release any information too me because i have an attorney. the issue is the attorney no longer represents me. they will not send me reciepts or tell me any information and they have taken XXXX dollars they have garnished recently i really need your help action must be taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: VA

Complaint narrative:
On XX/XX/2022 I specifically asked the sales person XXXX XXXX to only run my credit for XXXX XXXX through XXXXXXXX XXXX by email. The sales person XXXX didn't communicate that request to the finance manager XXXX XXXX so my credit was run through 7 other banks for an auto loan. When i received an alert that i had a lot of inquiries, i immediately went online to dispute those unauthorized inquiries with Equifax. Equifax refused to remove the 7 unauthorized inquiries. I reached out to the finance manager XXXX to inform him of this issue. The finance manager sent me a letter explaining the miscommunication errors to give to Equifax as proof to remove the 7 unauthorized inquiries on my report. I've sent this letter twice by certified mail, Equifax is still refusing to remove the 7 unauthorized inquiries and lying about being factual and verified when i provided proof from the finance manager and the email request that specifically says to only run my credit through XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TN

Complaint narrative:
am a natural person, I am a living human being. I have rights under 15 USC1681 Equifax is govern by 15 USC1681, and they violated my rights numerous of times. I demand these accounts listed below be removed because according to 15 USC1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
This creditor is not licensed to collect debt in New York State and it is illegal for them to attempt to do so without a license from the state of New York. I also do not own this debt as I never lived at the residence in which they say the debt incurred.This creditor has not responded to requests to dispute. I have disputed with the credit bureaus, but it seriously damaging my credit report. I want to buy a house and such, but this collection is prohibiting me from being able to do so.

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 2022-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I continue to receive bills for the {$130.00} owed to XXXX XXXX for account XXXX. 

This amount is fully covered by my insurance XXXX XXXX XXXX this has been confirmed by them on multiple occasions. 

I have contacted XXXX multiple times regarding this amount was assured that it was an administrative error would be corrected. To date, it has not been corrected. 

XXXX also contacted XXXX multiple times and they too were assured by XXXX that issue was being corrected and would be fixed when the company worked its way through the backlog. 

XXXX says XXXX continually submit the amount for payment with an incorrect billing codeXXXX XXXX  state that XXXX continue to use the diagnostic code of XXXX for a XXXX XXXX being advised multiple times that this is incorrect. 

The date of the service was XX/XX/XXXX and this account has been placed on hold multiple times without any corrective action being taken. 

On XX/XX/XXXX this matter was sent to Radius Global Solutions ( XXXX ) XXXX ( account XXXX, quest account XXXX ) demanding payment. 

As this amount has been outstanding for more than a yearwithout any corrective action being takenI consider this harassment. 

I would like the company to accept that the money is not owed. To stop seeking payment and either collect the amount owed from XXXX or write it off as I do not owe this amount.

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 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
First off I should be suing XXXX because who lets a XXXX yr. old upgrade a phone without their parents consent? I had already paid the first one off & Im still walking around with a XXXX  myself. They didnt have my permission nor my signature for him to trade in phones, switch yo an upgrade, or however it works. I was y present not notified til the bill came in the mail. I was recently laid off from work & months prior to my layoff I was out with XXXX back to back so I know everything was done without my consent because I wouldnt have agreed to it or signed for knowing the situation im in & knowing I wouldnt be able to pay for it

Company response to consumer: Closed with explanation