vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Miller Harrison LLC
State: UT

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX ( HOA ) and XXXX XXXX XXXX  concerning excessive and, in my opinion, invalid fees imposed on me, as well as their failure to provide adequate communication regarding my account. Below are the details of my experience : On XX/XX/scrub> 2024, I received a letter stating that I owe a total of {$620.00} to XXXX XXXX XXXX XXXX. The breakdown provided includes {$130.00} in assessments, {$80.00} in collections, {$120.00} in late fees, {$25.00} in fines, {$10.00} in interest, and {$240.00} in attorney fees. However, I do not believe all of these charges are valid, and I have made multiple attempts to contact the HOA and their representatives to discuss these fees. 

I have called the HOA numerous times, but I have not received any answers or returned calls. Despite these efforts, I have been unable to speak with anyone in person to resolve the situation. Furthermore, the HOA has been taking photos of my home, but they have not made any effort to knock on my door or personally contact me to collect payment or address my concerns. 

In addition, I have contacted Miller Harrison Lawyers, who are representing the HOA in this matter, both by phone and email. I sent an email offering to pay the full amount they claim I owe, provided they would contact me to explain how to make the payment. Despite my attempts, I have not received any response from their office. 

The lack of communication and the difficulty in reaching a live person to resolve this issue has caused significant frustration. I believe that both the HOA and Miller Harrison XXXX are intentionally making it difficult for me to pay the original amount owed, and in doing so, they are violating the Fair Debt Collection Practices Act ( FDCPA ) by imposing excessive fees and failing to engage in meaningful communication with me. 

I would like to resolve this matter by paying the original amount owed for my yearly HOA assessment, which is {$130.00}. However, I need to be able to discuss this with the HOA and/or the lawyers, and I request that they make the process for payment straightforward and transparent. 

I am requesting your assistance in investigating this matter and ensuring that my rights are upheld in accordance with the Fair Debt Collection Practices Act. I look forward to your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
I filed for a dispute with Experian for my credit within the next couple of minutes they sent information back and said it had been verified The information reported is not accurate so therefore it could not have been verified.

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 2025-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
On Tuesday, XX/XX/year>, NCB Management Services processed Settle Loans, concerning unsolicited loan purchases from XXXX XXXX XXXX, which was settled under the Coalition of 34 State Attorneys General 's agreement. I have contact this company multiple times! The item was removed and subsequently reinstated to my account. I have received the all paper in detail that XXXX Sold this Closed Loans from the Settlement in XXXX. This has resulted in negative consequences and a reduction in my credit score. A 1099-C Cancellation of Debt tax form was issued by XXXX. Payments were disbursed to consumers where delivery of the notification postcard was confirmed, or where consumers updated their address and/or payment method through the settlement portal. Neither XXXX, the settlement administrator, nor the state attorneys general 's offices can provide tax advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: KS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX XXXX {$4.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$910.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance {$4100.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$320.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing the same accounts on my Experian and XXXX reports for months and this is over XXXX CFPB complaint between both Companies. They are reporting inaccurate information on my report. XXXX has deleted these accounts months ago. Per 15 USC Code 1681 e ( b ) CRA are to ensure the maximum possible accuracy of the information on the consumer report. I was a victim of XXXX XXXX XXXX and I sent in my FTC Report to both Companies and will attach below. The accounts in question are to be deleted within 4 Buisness days which its been over a month so thats a violation of 15 USC 1681c-2 ( a ). XXXX and Experian are also violating other consumer laws for example 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) and 1681 a-2 ( b ) where neither company looked beyond the information contained or consulted underlying documents to verify the inaccurate information. Neither CRA behaved reasonably nor did they acquire sufficient evidence to support any conclusions of my CFPB complaints. I have never received any documentation from neither company stating how the accounts were verified or results of a thorough investigation. I requested information on how accounts were being verified and received nothing via mail. THESE COMPANIES ARE VIOLATING MY RIGHTS AS A COMSUMER.

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 2025-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I tried to log into my online account and received the message that my account was locked and to call the bank. I called the Everbank and they could not provide me with the information as to why the account was locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One was contacted by me the cardholder upon being advised that my XXXX XXXX  plus account in excellent standing was being closed by Capital One because I had a inquiry that was being handled by an overseas representative that kept reading a script, telling me " For XXXX XXXX, I can help you, but was not helping me at at, and I requested a XXXX based representative to assist me. My account was always on auto-pay, for some reason auto pay was removed, ad the payment cycle was during the Hurricane XXXX, which XXXX South Carolina and XXXX was without power for 5 days, Upon receiving power, checking my checking account, I noticed that my payment to Capital One was not deducted from my checking account, I immediately called Capital One and made as I always have the statement payment, however, they decided to charge me a late payment and interest, which I understood and accepted, but requested the late payment be reversed due to the hurricane situation, they declined and instead closed my account, and I still tried to pay the balance in full, yet, they wanted to continue to charge me late fees and interest, AFTER THEY CLOSED THE ACCFOUNT, WHICH IS UNACCEPTABLE. I have written without any reply from Capital One to both XXXX and XXXX XXXX XXXX Address, they have not replied, I have called over XXXX time to pay the bill in full, but not the junk fee 's and interest they are trying to impose AFTER they closed the account. I have been told by their representatives that they " Do not make any money off of me '' because I pay my bill in full every month! I have included this in every communication with Capital One and they refuse to assist me or acknowledge that statement from the Philippine representative, they have tarnished my XXXX XXXX XXXX, I have never been 30 days, and I am XXXX XXXX XXXX and a retired police officer, what judge is going to side with their actions of arbitrarily closing an account, but yet still charge interest on the account, this is a scam, and just like Capital Ones latest fraudulent activities, this should be added to that list and investigated. That is why I seek your assistance, I am willing and able, as from day one to pay the account in full, but I am not paying any accessed interest and/or late junk fees that Capital One is attempting to extort from me by XXXX  XXXX  and ignornacve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subject : Complaint Against TransUnion for Improper Reinvestigation and Continued Reporting of Inaccurate Information Complaint Summary : I am submitting this complaint against TransUnion for their failure to conduct a proper reinvestigation of an account that has been previously dismissed by the courts. Despite my disputes, TransUnion continues to verify and report inaccurate information on my credit file without providing any proof of their verification methods. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : The disputed account is [ XXXX XXXX XXXX XXXX # XXXX TransUnion has continuously reported this account inaccurately, listing it as a charged-off account despite prior legal dismissal. 
I have previously disputed this account, yet TransUnion claims to have verified it without providing any evidence of their verification process. 
FCRA Violations : Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), TransUnion is required to provide me with a description of the procedure they used to determine the accuracy of the disputed information. They have failed to do so.

Additionally, per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of consumer information. By continuing to report this account inaccurately, they are in violation of this requirement.

Relief Requested : I demand that TransUnion provide a detailed explanation of how they verified this account, including documentation supporting their findings.

If they are unable to prove the accuracy of their reporting, I demand the immediate deletion of this account from my credit file.

If TransUnion does not comply, I will explore all available legal options, including filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n.

Please investigate this matter and ensure that TransUnion is held accountable for their failure to properly reinvestigate and correct inaccurate reporting. 

Thank you for your time and assistance.

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 2025-01-28 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: GA

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-28 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MD

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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : CXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtates I have the right to privacyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
Reached out to credit bureaus to clear report on misused information. Also, the debt amount was wrong. XXXX XXXX XXXX b. States that its unlawful to use my personal information on my report without my consent, and to use correct 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 non-monetary relief
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
Reached out to credit bureaus to clear report on misused information. Also, the debt amount was wrong. XXXX XXXX XXXX b. States that its unlawful to use my personal information on my report without my consent, and to use correct information.

Company response to consumer: Closed with explanation