vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: TX

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 2024-12-18 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: TX

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. XXXXtates : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that l owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CT

Complaint narrative:
VALIDATION AND CEASE AND DESIST XX/XX/2024 Re : Name : XXXX XXXX Address : XXXX, CT Account # XXXX Dear : Jefferson Capital Systems LLC I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year>, my spouse ( XXXX XXXX ) asked me to send money to a friend via his mother ( XXXX XXXX XXXX ). I have a relationship with XXXX XXXX so I knew it should not have been a problem. XXXX minutes later I found out that XXXX XXXX CashApp was not active however, she has an active XXXX account. I immediately canceled the CashApp transfer ( {$110.00} ) and sent a {$100.00} transfer to her XXXX account. 

On XX/XX/year>, while on-line banking I noticed the CashApp transfer XXXX XXXX XXXX in the amount of {$110.00} and I reached out to CashApp. I respond was generated that statement the transaction was cancelled. I acknowledged that my original transfer was cancelled but the money was still paid effective date XX/XX/year>. 

I reached out to a human rep and she started an investigation and I also reached out to XXXX XXXX regarding the transfer. 

About a day before I got the response from XXXX I got an email from CashApp that the investigation was going to be closed because they didnt hear from me in a three-day period. 

I forwarded my documents showing that the transaction occurred but I have not received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-18 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: Kriya Capital, LLC
State: CA

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
This XXXX XXXX originated with XXXX in the Summer of XX/XX/year>. I only attended class for approximately XXXX weeks, XX/XX/year>. Hurricane Katrina destroyed 80 % of XXXX XXXX XX/XX/year>. ( Per United States XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX { Federal Students loans are DISBURSED as needed } ( Semester/Trimester ) basis. I DID not attend, even for a FULL semester - nor did I attend XXXX XXXX anytime after XX/XX/year>. It is virtually impossible for me to have RECEIVED the full amount of this XXXX XXXX XXXX- $ XXXX in XX/XX/year>. 

I requested the Dates and ACTUAL AMOUNTS of loan money that I RECEIVED from XXXX - but they have not given me PROOF of disbursements that were PAID to me DIRECTLY- not to the SCHOOL. 

XXXX XXXX XXXX XXXX  are aware of these RULES for Student Loan Disbursement - but they are violating my rights and the the Laws that govern Student Loan Disbursements.

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 2024-12-18 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: TX

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 confidentially under 15 USC 1681. 

XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
In XXXX of XXXX, I had some credit card debt and was looking for ways to pay off this debt. I had never missed a payment on my credit cards but an inconvenience at most. I took out a loan and and applied for {$25000.00} and it keep coming back with like {$45000.00} so it went on to show me what the payments would be which would be about {$1200.00} every month but they were taking {$5000.00} off the top for some kind of loan charge. It was going to take XXXX  years to pay this loan. As someone that was hoping to retire, I thought getting these credit cards paid off and in XXXX years I would be debt free. I went on to pay off credit cards only to find out that their approval processes wasn't allowing me enough to live on and eventually I had to take out cash advances on credit cards just to pay this loan. Now I'm right back where I started and my credit score has tanked! They now have my payments at over {$1600.00} and just recently put me into collections as I can not pay for this loan. However, I did send them an e-mail and explained my situation and asked for a modification and I received a generic reply back stating they were unable to help. This loan has taken a toll on my health. I am sorry that I didn't research this better but everything was done online and they don't call you and ask if you understand everything. They trap you. I have paid approximately {$23000.00} back on this loan and it is only 11 % paid back according to their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Someone has my personal credit information and applied for a loan though capital one on XX/XX/2024. I got notified though my credit karma app at XXXX am in the morning. The hard inquiry is showing on my credit karma app and my XXXX credit report. I did not apply for any new loans. There is also a new phone listed under my information that is not my phone number and never has been my phone number. The phone number listed is ( XXXX ) XXXX. I want the hard inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 2024-12-18 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: TX

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 2024-12-18 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: NY

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization, and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$360.00}

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 2024-12-18 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: CA

Complaint narrative:
CapitalOne credit card is still charging excessive late fees, although the legal market cap is {$8.00} per the Credit Card XXXX XXXX and Disclosure ( CARD ) Act passed earlier this year, in XXXX. As a matter of fact, the late fee increased from {$29.00}, which is the late fee I was charged in XXXX, to {$40.00}, the late charge I received in XXXX. I called and spoke with a customer service representative today and asked to be transferred to a supervisor when she couldn't assist me herself. I was transferred to XXXX XXXX  XXXX XXXX XXXX ID XXXX. XXXX, who stated she was familiar with CARD, but that it had not yet gone into effect with CapitalOne. I asked if I could file a formal dispute with CapitalOne, but they do not have a formal dispute process. I expressed to her that I would file a complaint with the CFPB as well as the FTC, if need be. I would like to request the late fees I incurred to be dropped to the legal limit of {$8.00}. I have attached my statements showing the excessive late fees and the dates they were charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has and is violating the FCRA by blocking me access to my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), you have the legal right to dispute any inaccurate information on your credit report, meaning you can contact the credit reporting agency and request an investigation if you believe there are errors in your credit file ; the agency must then investigate and correct any inaccuracies they find.

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ct XXXX Fl, XXXX XX/XX/year> To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed any debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the part who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
TRANSUION XXXX XXXX DID NOT REMOVE LATE PAYMENTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  made a error in reporting late payments in which I sent documentation proving it was a error they still did not remove the late payment also the creditor also requested they remove the late payments asap in which they did not XXXX HAVE FRAUDULENT ACCOUNTS REPORTED XXXX XXXX XXXX XXXX XXXX XXXX LOAN AND ALL FRAUDULENT INQUIRIES XXXX, XXXX TRANSUION IS REPORTED XXXX late payments XXXX XXXX ALSO 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 2024-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX EQUIFAX DID NOT REMOVE LATE PAYMENTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  made a error in reporting late payments in which I sent documentation proving it was a error they still did not remove the late payment also the creditor also requested they remove the late payments asap in which they did not EQUIFAX HAVE FRAUDULENT ACCOUNTS REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALL FRAUDULENT INQUIRIES XXXX, EQUIFAX XXXX IS REPORTED XXXX late payments XXXX XXXX ALSO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase credit has " Chase Offers '' which is a regular promotion for cash back if you meet a certain spending criteria for particular product or services. XXXX of the products is " Chase XXXX '' where they had a promotion to spend {$500.00} and you received {$100.00} Back. 

I spent the amount as required but Chase is no honoring promotion without giving me a reason. I called first time, and the agent agreed I have met all the necessary conditions for cash back and will send this to appropriate team to review. I didnt hear them from them for XXXX weeks. So I emailed Chase customer service who promised a XXXX business day response but again no answer. I followed up and then I receive an email that the Offer conditions are not met without any details on how. I replied them with proof and this time, they are asking me for wait XXXX business days for response. Essentially they are playing me and wasting my time

Company response to consumer: Closed with explanation