vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A 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 a account without my written instructions. THIS IS MY 2ND REQUEST... TRANSUNION : Creditor : XXXX XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : US BKPT CT XXXX  XXXX XXXX  Ref # XXXX XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # 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 2022-07-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 Section 602 A 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 a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my rights. 15 USC 1681 Section 602 A 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 a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
This company reported a debit that i have no knowledge about from XXXX. They reported this debt in XX/XX/XXXX. I never received an original copy of an contract or verification of debt between me and this company and theyre reporting this collection illegally doing so. I will need an ORIGINAL CONTRACT with me AND THIS COMPANY ABILITY RECOVERY stating that I owe a debt. This is a medical debt meaning that HIPPA is involved and I didnt authorize any release of information to this company that im unaware of. Legal actions will be taking if this company dont cease and desist and remove reports from credit bureaus I DID NOT AND WILL NOT AGREE TO ANY SETTLEMENTS AND COMMUNICATION WITH THIS COMPANY. This company need to stop with the antics lying when responding to this complaints & if theres any original contract with me and ABILITY RECOVERY PLEASE DISCLOSED THIS INFORMATION AND DOCUMENTS AS WELL AS MYSELF TO CFPB THIS ISNT a DUPLICATE TO PRIOR COMPLAINT COMPANY NEVER VALIDATED DEBT AND IS COMMITTING PREJURY LYING

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 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a purchase with PayPal for XXXX. This was an upstart venture that never launched. The person running the service refunded everyone 's money in the same fashion that was used to make the payment. 
I attempted to retrieve MY money from PayPal. I do NOT and WILL NOT provide PayPal with my debit/checking account #, as I see that risky, especially since I know someone whose PayPal account was hacked and had fraudulent credit card charges. Furthermore, I could deal with fraudulent credit card, but NOT debit card, as that's MY money. 
They have an option to get a check cut. I went through this option with a representative online two times, and the system is broken. It would not allow me to retrieve MY money, and the representative stated that this is the only way the money can be released. She then connected me with XXXX ( supervisor # XXXX, ) who refused to help me any further, even though THEIR SYSTEM is broken. I would have expected him to take this breakage to his IT team, and then call me back when the matter is resolved, but he simply stated that there was nothing he can do. My attempts at escalation resulted in his claim that there is nobody else above him and that's it. So bottom line, PayPal is stealing {$45.00} from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05 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: NY

Complaint narrative:
On XX/XX/2022, I received the emailed offer below from Capital One : Congrats, You're Invited Opportunity : Find out if you're pre-approved for a new card with no credit score impact. 

I applied, was pre-approved and offered three choices of cards. I chose the XXXX XXXX. Their system did an additional check : 1. Denied my application. 2. The second check was a hard inquiry which negatively impacted my credit score. 
The result was no credit card and a XXXXXXXX XXXX drop of my credit scored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: AL

Complaint narrative:
In XX/XX/2019 my credit score was cut by Experian from XXXX to XXXX by Experian. They said I had an unpaid bill to XXXX for XXXX for my subscription to XXXX XXXXXXXX XXXX XXXX That magazine renews on XX/XX/XXXX and XXXX renewed on XX/XX/XXXX. I was not made aware of that. I paid the amount due on XX/XX/XXXX. I have been with Experian ever since. My credit stands at XXXX. I have XXXX credit card, a XXXX card from my bank XXXX XXXX. I pay it off every month. I do not carry over unpaid balances. I am not charged any interest on that account. I do not have balances which Experian alleges. XXXX XXXX will tell you I have no unpaid balances nor late payments. 
I believe that Experian characterizes me as not being able to manage my money but examining my financial record would reveal that I manage my money very well. 
I believe that XXXX believed I was only XXXX months late paying for that subscription. 
I would like to see Experian reduce my XXXX XXXX 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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc
State: NY

Complaint narrative:
On XX/XX/2021 I received via XXXX XXXX a XXXX  from XXXX. I refused the XXXX  at that moment and had XXXX take it back. XXXX had provided me with a cancellation number. On that same day, I had contacted XXXX via email informing them that I am refusing the XXXX XXXX received the XXXX  on XX/XX/2021. Both, XXXX and XXXX continued with the loan without my knowledge. Then, I noticed that XXXX was still charging me for the returned XXXX I tried to reach out to XXXX from their website with no such help. When I typed messages to stop payments, I will get back a message to contact the merchant. I had called XXXX numerous times and I've never received any help nor assistance, but they continued to take my money from my bank account. Therefore, a stopped payments was done through my account. Finally, I was able to communicate with XXXX and it was useless, as XXXX did not assist/helped nor returned my calls to inform me that I had 30 days within to contact them to stop the payments, but on XXXX XXXX website it clearly states that the individual needs to contact the merchants themselves, which I have. XXXX deliberately kept the XXXX without informing XXXX and XXXX also kept the loan and the returned XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: OR

Complaint narrative:
I am a XXXX person that is getting help with filling this out. 
On XX/XX/2022 I filled a complaint with XXXX, XXXX and TransUnion about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than XXXX or TransUnion. XXXX and TransUnion both sends me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.

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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maury Cobb, Attorney at Law, LLC
State: NY

Complaint narrative:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this an attempt to extort and rob me, personally, my family, and my household.. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: CL Holdings LLC
State: TX

Complaint narrative:
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is JEFFERSON CAPITAL. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why Jefferson Capital is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes JEFFERSON CAPITAL as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXXXX/XX/XXXX XXXX Account # 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 ( XX/XX/XXXXl : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XX/XX/Acad XXXX, Contact : Not Available ( XX/XX/CcXXXX, Contact : Not Available ) ( XXXXXX/XX/XXXX Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment

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 2022-07-05 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX XXXX Account # 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 ( XX/XX/XXXX : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XX/XX/XXXX XXXX, Contact : Not Available ( XX/XX/XXXX XXXX, Contact : Not Available ) ( XXXXXX/XX/XXXX Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
I have sent in two different dispute/complaints letters XX/XX/2022 and XXXX XXXX asking the companies Experian, and XXXX to verify, method of verification used, + original contracts. Experian or XXXX has yet to remove the derogatory account from my credit report or produces verification method used to verify the account or original contracts.

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 2022-07-05 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 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

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 2022-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX Loan # XXXX My email is XXXX On XX/XX/XXXX I applied for a loan of {$500.00} was approved ( confirmation # XXXX ) and I picked up the money in person the same day. On XX/XX/XXXX I applied for another loan as I was already approved for a higher amount when I applied initially on XX/XX/XXXX but chose not to take the full amount since I had a check deposit due to post to my personal bank account by XX/XX/XXXX but due to banking issues did not post as expected .On XX/XX/XXXX I applied to take out the remainder of what I was approved for which was {$1500.00} and change and picked up the money the same day on XX/XX/XXXX. On the same day XX/XX/XXXX a friend agreed to loan me money after i explained to him the banking issues I was having and the expensive pay day loan I had to take out. After getting the money from my friend I called Speedy Cash and asked them to rescind the loan and just take it out of my bank account with the bank info they already had on file ending in XXXX. They refused and advised me to go back to the store in person which is 30 minutes away even after I informed the representative that I was heading out of town for work. Not being able to rescind the loan in the window provided by Speedy Cash will incur me fees that could have been avoided had Speedy Cash just taken the money back and rescinded the loan with my checking information that was already on file with them. I want them to refund me any and all fees associated with the entire amount of this loan due to them refusing to rescind the loan over the phone or by email communication like I requested.

Company response to consumer: Closed with explanation