vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helm Associates
State: DE

Complaint narrative:
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Helm Associates to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Helm Associates has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Helm Associates has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed.

-15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ).

-15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means a repossession should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Helm Associates has caused harm by illegally repossessing my vehicle and by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.

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 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
I reached out to XXXX XXXX on XX/XX/2022 and informed them that I had yet to revive the cash app card in the mail. XXXX did absolutely nothing in helping me get a new card nor did they do anything to protect the missing card from being used fraudulently. On XX/XX/2022 I raised a fraud claim with Cash App relating to several fraudulent charges that were charged to the cash app card. I took the proper steps and got a police report and attached it to my claim as well which had every fraudulent transaction listed on the police report. Causing hundreds of dollars to be fraudulently charged to my card. On the evening of XX/XX/2022 at about XXXX EST I received several emails from Cash App denying every last one of the fraudulent charges and had a statement to me that said Your account will not be refunded for your ( each amount ) transaction at ( each merchant ) because after reviewing your account details, we determined that no error occurred because this transaction was authorized by you, and Cash App XXXX the payment information provided by the merchant. You can reach out to support for dispute documentation at any time. Details in your receipt. I never authorized any of those transactions and Cash App is displaying unethical business practice by lying on me saying I authorized fraudulent transactions. I attempted to email them from the email address they emailed me from. It did not say that the email was a no reply but the email came back undeliverable. They have put that tactic in place so that customers cant contact them after they intentionally deny claims and to stall customers out and so we have no contact after losing thousands of dollars. The government needs to seriously do something ahoy this company! I have a family and cash app has allowed money to be stolen from me and despite XXXX XXXXXXXX XXXX policy, cash app has simply disregarded. They did not follow the chargeback process and they have absolutely no proof about what theyve stated to me because it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Debt was reinserted on my credit reports without sending my 5 day notice

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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  ( accounts and agencies has violated 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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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.

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.

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. 

Account XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$820.00} Needs Attention Overview You have XXXX XXXX left to pay on this collection. 

XXXX {$820.00} XXXX XXXX {$820.00} Opened XXXX. XXXX, XXXX ( XXXX mos ) Account XXXX XXXX XXXX XXXX XXXX XXXX Remarks. 
Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info Accuracy The balance and/or past due amount are/is incorrect. 
There were fraudulent charges made on this account. 


Account Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status- Open Type- Derogatory Responsibility- Individual Remarks- Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Closed No Info Accuracy The balance and/or past due amount are/is incorrect. 
There were fraudulent charges made on this account.

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 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX and PORTFOLIO RECOVERY ASSOCIATES is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. I did not consent or authorize Portfolio Recovery Associates obtaining my nonpublic personal information and unauthorized use of my credit card defined under 15 USC 1602 ( l ) is a violation of 15 USC 1602 ( p ). Consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. XXXX XXXX XXXX illegally transferred the account in reference without lawful authority to Portfolio Recovery Associates which is a violation of code 18 USC 1028 ( a ) ( 2 ). I have never conducted business with Portfolio Recovery Associates and I have not benefited from this transaction which is also a violation. Without lawful authority, by using means of my identification Portfolio Recovery Associates is committing aggravated identity theft. Portfolio Recovery Associates is attempting to collect on this account by extortionate means pursuant to 18 USC 894. Due to continuous acts of deceit, coercion and intimidation, my consumer report has suffered drastically. Therefore, I would like to inform Portfolio Recovery Associates that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity as well. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I signed up for XXXX XXXX XXXX internet in XXXX. Agreement was if you cancel and return equipment in the first 30 days there would not be a charged. I cancelled and returned equipment in the 30 day time frame. They have sent me a debt collection through convergent outsourcing debt collection on XX/XX/XXXX. I attempted to contact XXXX customer service and the XXXX home internet department is impossible to get in contact with and they send you back to main menu when you do talk to someone. They are falsely billing me and using illegal tactics to try to make me pay money I do not owe. They have also been sending me bills for {$250.00} that I do not owe In the month of XXXX and XXXX. They are purposely making to where you can not contact them so they can bill me. I do not owe this debt and I disputed it online with convergent outsourcing and sent a dispute by mail on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One Bank and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. I did not consent or authorize XXXX XXXX XXXX obtaining my nonpublic personal information and unauthorized use of my credit card defined under 15 USC 1602 ( l ) is a violation of 15 USC 1602 ( p ). Consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. Capital One Bank illegally transferred the account in reference without lawful authority to XXXX XXXX XXXX which is a violation of code 18 USC 1028 ( a ) ( 2 ). I have never conducted business with XXXX XXXX XXXX and I have not benefited from this transaction which is also a violation. Without lawful authority, by using means of my identification XXXX XXXX XXXX is committing aggravated identity theft. XXXX XXXX XXXX is attempting to collect on this account by extortionate means pursuant to 18 USC 894. Due to continuous acts of deceit, coercion and intimidation, my consumer report has suffered drastically. Therefore, I would like to inform XXXX XXXX XXXX that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity as well. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: FL

Complaint narrative:
I am disputing all inaccuracies on my credit report with Transunion.

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 2022-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
WHEN I FIRST TOOK OUT A LOAN MY PRINCIPAL WAS {$900.00} WITH A INTEREST RATE OF 6.125 % TOO MUCH FOR A VA LOAN. FOR 12 MONTHS THAT`S $ 10,800.00.FROM XXXX TO XXXX {$32000.00}. LOOKING AT THESE DOCUMENTS SENT TO ME. I HAD THE LOAN REFINANCED IN XXXX, IT SHOULD`VE BEEN A VA IRRRL XXXX I SAW NO DOCUMENTS THAT SAID IT WAS. IT SHOULD`VE BEEN A REDUCTION OF THE INTEREST ON THE EXISTING LOAN. YOU TOOK THE EXISTING LOAN AND THE {$32000.00} IN PAYMENTS AND GAVE ME ANOTHER LOAN STARTING IN XXXX. THEN YOU TRIED TO BRING IT BACK UP IN XXXX SAYING I APPLIED FOR A MODIFICATION THAT WAS FORGED. SOMEONE JUST WROTE ON TOP OF THE DOCUMENT REFINANCE. DOCUMENT # 1 ( XXXX ) AND DOCUMENT # 2 ( XXXX ) WERE NOT DATED AND THE NOTARY LOOKS LIKE IT WAS STAMPED THE DAY YOU MAILED IT ON A XXXX DOCUMENT. AND DOCUMENT # 3 ( XXXX ) LOOKS LIKE THE MATH FIGURES WERE ALTERED. DOCUMENT # 4 ( XXXX & XXXX ) THE NAME LOOKS LIKE IT WAS ALTERED AND SIGNED AS BOTH AND THE NAME LOOKS LIKE IT WAS FORGED. WE WORKING PEOPLE WORK HARD TO TRY TO KEEP A ROOF OVER OUR FAMILY AND YOU JUST WANT TO COME AND TAKE THAT AWAY. WITH SIGNATURES THAT LOOK LIKE THE ONES ON THE PICTURE OF PAST EMPLOYEES TELL ALL. I WILL BE SENDING CFPB COPIES OF MY FINDING FOR ANALYSIS. AND THE FORGED MODIFICATION IN XXXX TO XXXX NEEDS TO BE HANDLED AS A CRIMINAL ISSUE FORGING AND ADDING LOANS TO LOANS THAT HAVE BEEN CLOSED FOR YEARS THROWING THE LOAN INTO A INTEREST-BEARING LOAN. MY LOAN WAS UNDERWATER FROM XXXX TO XXXX. THEN I GET A {$30000.00} LOAN OF EQUITY RECORDED IN THE COUNTY RECORDS AND A {$28000.00} LOAN IT`S IN THE RECORDS. THEN I AM SEEING THE INTEREST RATE OF MY LOAN AS 5.125 % BUT YOU HAVE IT ON THE BANK STATEMENT AS BEING 3.750 % CFPB NEEDS TO INVESTIGATE THIS AND I KNOW THEY CAN. THESE ARE SOME SERIOUS ISSUES THAT NEED TO BE RESOLVED.

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 2022-11-13 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: FL

Complaint narrative:
Mail is not deliverable to me via USPS at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The further reporting of this address is leaving me susceptible to identity theft and you are liable.

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 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had an issue with a collection agency for returned checks at Navy Federal Credit Union. XXXX, the company, resubmitted the checks on multiple occasions causing returned check fees at the bank, and also submitted their XXXX service charge as an XXXX-authorized deduction from my account, creating more XXXX fees as they submitted the transactions separately. and the service charges were submitted after the resubmission which they knew did not go through. The checks eventually cleared along with the separate service charges submitted by the collection agency. 
I spoke with Navy FederaXXXX and disputed the service charges as unauthorized, having never agreed to them using XXXX for their service charge. The bank then orders the account for the entire amount of the checks and the service charges and advises the business that I had stated they postdated the checks, and I was denying writing the checks for the purchase which was never an issue. 
I went into my account to get the account statements and found tro be locked out and unable to access any statements relating to the dispute. 
This occurred after going to the store where the checks were written, when the owner grabbed me and drug me through the store telling me he did not want me there ever again. I was never aware of the bank advising them of those lies, and the bank was told after they credited the account that they made an error as I was not disputing the checks, just the allowance of a collection agency to use ACH and access my account. 
The bank CEO was notified of the situation, after getting nowhere with customer service. Now I am charged fees with money in the account and have been denied access to my statements where the business had been paid. I spoke with the business the day of the assault, and told him I would bring back the statement where it was paid, as I never disputed his transactions. The owner stated the money was reversed and he had not been paid over XXXX. The bank has made me look as if a fraudulent person, and this being only XXXX of the times they have done this, after complaining about charges and receiving no products from XXXX. The company ordered from having no phone contact or address to get hold of them and do not respond to emails. XXXX Fed. states they spoke with them, but that is not true.The bank had no right to lie to the company, had no right to block me from my statements, and the CEO office stating they would write a letter to thr business after hearing the recorded dispute. but they will, not advise the businesws that I never stated anything about them postdating checks or denying to have written the checks. I am no longer allowed in the store, have been humiliated in front of my town friends and XXXX XXXX is a liar and uses accounts to advesrly affect its members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13 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: FL

Complaint narrative:
I reviewed my credit report an noticed a lot of invalid information on my Equifax credit report. I am filing to dispute all incorrect information to help fix my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts be verified or removed immediately :

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation