vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
I had previously filed a complaint against Rent Recovery Solutions and stated they had provided no proof of debt and began sending harassing phone calls along with calling at all hours of the night and day attempting to collect a debt from XXXX XXXX XXXX. 

The date of my initial complaints were XX/XX/XXXX. 

I have valid proof no debt was owed to the creditor. 

Today, is XX/XX/XXXX and this company is continuing to harass me. I am receiving non-stop calls. I've done my research and via the Fair Debt Collection Practices Act they are not allowed to call me between XXXX and they have violated this as you'll see in my screen shots of missed calls from this company. 

Their most recent call to me was at XXXX. The number they are calling from is XXXX. In a six day span I have received 9 calls from this company which is also a violation of the Fair Debt Collection Practices Act. 

On XXXX XXXX XXXX  and along with my state 's attorney general I have filed complaints against Rent Recovery Solutions for Debt Collection Fraud. 

On my account from the original creditor XXXX XXXX, it shows I owe no debt, have XXXX balance and have no delinquencies which I will be attaching for your viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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 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 non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The following items have been disputed on my report and the companies haven't reached back out to me. 

XXXX XXXX XXXX XX/XX/XXXX - {$550.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - {$550.00} XXXX XXXX  XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XX/XX/XXXX - {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Zip Co US Inc.
State: FL

Complaint narrative:
Can not make any purchases but are still taking payments with no explanation over a week mow

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: VA

Complaint narrative:
I am a XXXX veteran who is exempt from paying property taxes, yet I found myself in a dispute with Village Capital and Investments LLC ( VC ) over a refund for these taxes that I should never have been charged in the first place. Despite providing documentation of my tax exemption at closing, which took place on XX/XX/XXXX, I was erroneously charged. On XX/XX/XXXX, XXXX received a refund from the State of Virginia for the property taxes, but getting that refund back to me has been a series of frustrations. 

I have called XXXX numerous times, asking them to send me the refund via paper check as they initially told me they would. Despite these repeated requests and assurances that I would receive my refund, XXXX has consistently refused to return my calls or respond to my emails. 

The situation reached a tipping point during a call with a XXXX agent. My previous requests for a refund were outright ignored until I played a recording from previous calls. Only then did the agent acknowledge the backlog but stated that no action had been taken to process my refund. This acknowledgment came after a significant delay ; the funds were paid on XX/XX/XXXX, and here I am on XX/XX/XXXX, still without my refund. 

This series of events highlights my frustration and difficulties in getting back what is rightfully owed to me. My attempts to rectify this situation have been met with a lack of communication and inaction from Village Capital, leaving me without the funds that were erroneously collected from me, despite my clear eligibility for tax exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting 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 ACCOUNT # : 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 non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMD Investment Group, Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX and I received a letter about a debt collection for a medical service from XXXX  XXXX which they never told me I had to pay anything. I never saw that I had to pay the amounts and I wasn't aware of this so as right now I can't pay this debt. Reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As I know it, based on FCRA 605B, accounts reported incorrectly should be removed from credit reports. I'm not sure what happened, but please review the accounts in the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am incredibly depressed due to my finding when investigating my credit. There are a couple unverified and unwarranted errors that are highly affecting my credit and in turn my life. It is clear to me that the bureaus did not make sure that the information they were reporting was accurate to a tee. I can not continue to handle these problems and need a fix now.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wasnt able to freeze and unfreeze my TransUnion credit report in a timely manner. The first situation it took me almost a month to unfreeze my report. I wasnt able to apply for anything with this bureau because it was still placed on freeze. When the credit bureau finally unfreeze my report I wasnt able to freeze it back. I tried almost 1 month later and freeze it back finally and just last month I wasnt able to unfreeze it again. Its been very inconvenient and I shouldnt have to go through this with this being my personal consumer 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 explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
please see attachments for my identity theft report and i would like my personal information updated to the following because reasons of inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
Edfinancial services is reporting XXXX loans on my credit report as open, with balances and as current when those loans have been transferred to the company XXXX a long time ago. This is negatively impacting my credit score immensely. When I did an online chat with XXXX at Edfinancial services she told me that they report it as a XXXX balance which is not accurate. As I questioned why this is showing as open with a balance and why they have not reported it as a closed account she told me I would need to just file a dispute with the credit bureaus and would not answer my question or offer any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
On XX/XX/2023, the rental company sent a final disposition more than 30 days after we vacated the property. The amount was disputed with the original Creditor and then turn over to a collection agency. On XX/XX/2023, a phone call was placed to the debit collector who advised me to send an email regarding the issue. An email was sent on XX/XX/2023 disputing the account. The collection remained on my account. I reached out to the agency again and was told they sent a debt validation letter to an addressed that we hadn't lived at in almost 8 years. They also had the correct mailing address as it was in the signature line of the emails sent. The collection agency was also forwarded emails of the dispute with the original Creditor and was aware that according to Texas State Law all dispositions and claims of money owed my be provided within 30 days of move out. The original Creditor did not provide final disposition until XX/XX/2023 and we moved out XX/XX/2023 therefore the debit is not valid. All emails were forwarded over to the collection agency as XXXX XXXX operates like an XXXX  or hotel with specific check in and check out times. There was a clear dispute related to the rental agreement as well with the land lord which stated month to month. Therefore the debit is invalid due to Texas State Law and the collection agency deliberately sent a validation of debit to an incorrect address when a correct address was provided to them in emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I collected a payment via square six months ago. My account was immediately shut down. I requested the release of my funds and Square said the funds were on hold for 90 days then they would release. 90 days has turned into 6 months and they have refused to give me any information. The only thing they say is that an email will be sent to me. And there is no email or resolution. I have called the customer service and special department that deals with this problem and they all end up just hanging up on me. Or they transfer me to a voice recording that says an email will be sent and the machine hangs up on me. At this point Square has been in possession of my money for XXXX months. It is not their money. They haven't done anything to resolve the problem. They haven't tried to verify with the sender. They have left me with no other option but to publicly sue them. I don't know how anyone uses this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting 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: NJ

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 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 non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MS

Complaint narrative:
Credit Control , LLC is attempting to collect an alleged debt. I have never participated in a transaction with this entity, not to my knowledge. I did not give this entity permission to contact me through any medium. This entity is threatening to cause harm to my reputation, character, and is causing me emotional distress.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Since XXXX of 2022, someone is registering my credit card to his XXXX wallet and spending my Chase rewards points. 

I talked to Chase, but they only give points back, not resolving the issue. 

So, the issue is still on-going. 

I talked to XXXX, but they said they can not figure out what is going on. 

Chase confirmed that my points is used by XXXX wallet. 

Even if I replace my credit card, it still happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Beginning in XX/XX/2023, I requested a copy of my consumer report after being denied an extension of credit from an auto dealer. Upon reviewing my reports I found several inaccuracies throughout my report. I then submitted dispute letters to validate and correct the information. I received a response from the credit agencies that simply said the information was verified. However, in my dispute letters, I required that the reporting agencies provide me with the initial account documents that would have established the alleged debt as well as the procedure used and the parties involved in their investigation. None of that was provided. After the first, second, and third attempts to get this information that is required by law when requested, I sent another letter informing them of their willful negligence to comply with the law and my rights to privacy, accuracy, and fairness in the reporting and sharing of any of my personal information. However, my requests for them to comply with the law are still to date being ignored and I am still being willfully violated. I have included with this complaint, a copy of the letters and invoices I have provided to the agencies for violating the consumer protection laws that were created to protect my privacy rights and fairness in the reporting of my personal information. As a federally protected consumer, I have been financially and emotionally injured by these private agencies who are actively committing identity theft as I have not authorized in writing or otherwise the reporting of my non-public personal information or transaction history as it relates to the alleged debts and accounts disputed.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: NV

Complaint narrative:
Yes these XXXX charges are still on my account! and you guys tried to have an employee who trying to reach out to me but i have tried to called the person like 10 times and he never pick up! so how can i get any help regarding these fraud transaction that is still on my credit card?? 

the person who email me was XXXX, XXXX XXXX ) XX/XX/2024 XXXX XXXX XXXX  XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX VA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX VA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX VA

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Vehicle is in Bankruptcy and is to fall off one credit reporting agency XX/XX/XXXX and another XXXX XX/XX/XXXXXXXX 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Vehicle is in Bankruptcy and is to fall off one credit reporting agency XX/XX/XXXX and another XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested XXXX management to validate the debt. They did not provide any of the required 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