vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recoveries, Inc.
State: WI

Complaint narrative:
The original amount of the debt was {$400.00}, the loan was from cash in a flash, now it was turned over to Financial recoveries Inc. and the debt amount has now increased to {$6700.00} and keeps getting higher by the week. It was turned into collections on XX/XX/2018. The inflated amount is totally insane.

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 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: TX

Complaint narrative:
I received a cash app debit card in the mail on XX/XX/14 but I do not have a cash app account so know it is fraud. I called what I believe is their customer service but many sites say they do not have customer service # so not sure if the # and callback I received is another part of scam. The # is XXXX. The only info I gave them was my email, they did email me mins later and asked for a lot more info to investigate the fraud but that could be part of scam as well so I am just not responding. I just wanted account closed. I did shred card. The email is from XXXX but afraid more of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXXand XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with Equifax, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see XXXX letter and credit report from XX/XX/XXXX attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXXand XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with XXXX Experian, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see PIF letter and credit report from XX/XX/XXXX attached.

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 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" To whom it may concern '' As a consumer I should not feel the way I do! Terrible, Appalled, and Disgusted! It doesn't seem fair at all that the 3 bureaus ( TransUnion ) ( XXXX ) ( XXXX ) continually go against laws that Congress has put in place for the consumer! My children my wife and myself should not be made to suffer for the bureaus lawlessness! I'm coming to you because of who you are, THE CONSUMER FINANCIAL PROTECTION BUREAU. The ones who help consumers by making rules more effective and enforcing laws so consumers can take control over there economic lives! 

According to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Accuracy And Fairness Of Credit Reporting. Even if we just look at # 4 There in complete violation of my right to privacy! I've been over looking this for far to long and I'm sick and tired of it! Furthermore under 15 USC 1681b Permissible Purposes of consumer reports, I never gave them any written consent to report anything on my consumer report. I've called these bureaus numbers of times XX/XX/2021 even way before this date, written letters as well! It's always the same lie as if they can validate a debt. I am the consumer they can not validate a debt, to validate a debt is to access an action. I'm the only one who can validate a debt and any debt on my report is not mine! It's not true! According to 15 USC 1692a ( 3 ) I do not owe any debt and I am not obligated to pay any debt!!! Furthermore, Constitution Article 1 Section 10. 

Another lie they told was they did an investigative report before. Well according to 15 USC 1681a ( E ) they have to do interviews with my neighbors, friends or associates. They never provided any information associated with me the consumer! I told the 3 bureaus that Medical Information is not supposed to be furnished on my report there a HIPAA Violation of the Fair Credit Reporting Act. And yet they still stand! XXXX XXXX has some for {$290.00} others are {$240.00} {$280.00}. XXXX has one for {$910.00}. XXXX has one for {$7300.00}. Again I've called written letters e.c.t. I want all these derogatory marks removed from my credit report at once. Thank you for your help. I am greatly appreciative!!!

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 2021-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CASH IN A FLASH INC
State: WI

Complaint narrative:
The original amount of the debt was {$400.00}, the loan was from cash in a flash, now it was turned over to XXXX XXXX XXXX and the debt amount has now increased to {$6700.00} and keeps getting higher by the week. It was turned into collections on XX/XX/2018. The inflated amount is totally insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX, I filed a complaint # XXXX with the CFPB against Experian for failing to provide me with certified proof of several alleged accounts that are listed on my credit report. In Exhibit B you will find a copy of the CFPB Complaint. 

The alleged accounts in Exhibit D are false, inaccurate, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements and the per the requirements of the FCRA. Experian is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable alleged accounts on my credit report. 

On XXXX, I received Experian Report # XXXX. I carefully reviewed this report. My review of this report showed that Experian had not included or attached any certified proof to justify their failure to delete these accounts. A copy of Experian Report # XXXX attached in Exhibit C. 

Experians disclosure is not clear and accurate as required under 1681 g ( a ) ( 1 ). 

Experian Report # XXXX did not provide me with any certified proof on how you verified the alleged accounts. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

Experian has a duty under the FCRA to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact 100 timely and accurate. 

Experian can not simply say that the information was certified. Experian must also produce said certification when I consumer asks for it, which is their right under the FCRA. If Experian does not provide proof, then the reported information is considered to be false and must be DELETED. 

Experians failure to provide this proof is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in Experian Report # 1642-9257-70.

Experian must meet ALL of the requirements of the FCRA. Experians violation of the FCRA is eliminating my consumer protections established by Congress under the FCRA.

According to the FCRA, unverified information is false information because it can not be sworn to as fact and 100 accurate. Experian is reporting false information on my credit report because none of the alleged accounts have been verified with certified testimony from either Experian or the data furnisher. ( Copied from attached Affidavit ) *******

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 2021-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: DE

Complaint narrative:
I CONSUMER XXXX XXXX MADE A PAYMENT TO IC SYSTEMS ON XX/XX/XXXX. WHILE SPEAKING THE REPRESENTATIVE, I WAS TOLD THIS COLLECTION WOULD BE REMOVED FROM MY CREDIT AND NOT STATE PAID BUT REMAIN ON MY CREDIT. THIS ACCOUNT STILL REMAINS ON MY CREDIT 1 YEAR LATER. THE REP STATED THAT THE CALL WAS BEING RECORDED TO QUALITY INSURANCE AND I WOULD LIKE THIS CALL REVIEWED OR THIS ACCOUNT DELETED ASAP. DUE TO AGENCY LYING ABOUT THIS ACCOUNT BEING REMOVED AFTER PAYMENT, THEY HAVE VIOLATED 15 U.S. CODE 1692k ( A ) - CIVIL LIABILITY. DUE TO THIS ACCOUNT REMAINING ON MY CREDIT PROFILES I AM NOT ABLE TO OBTAIN HOUSING AND DUE TO THIS I AM IN THE PROCESS OF SUEING THIS AGENCY FOR ACTUAL DAMAGES. I HAVE REPORTED YOUT COMPANY TO THE XXXX  AND CONSUMERFINANCE.GOV AS A FORM OF RECORD. STOP COLLECTION PROCEEDINGS AGAINST ME AND REMOVE MY INFORMATION FROM YOUR DATABASE SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DE 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 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" To whom it may concern '' As a consumer I should not feel the way I do! Terrible, Appalled, and Disgusted! It doesn't seem fair at all that the 3 bureaus ( XXXX  ) ( Equifax ) ( XXXX  ) continually go against laws that Congress has put in place for the consumer! My children my wife and myself should not be made to suffer for the bureaus lawlessness! I'm coming to you because of who you are, THE CONSUMER FINANCIAL PROTECTION BUREAU. The ones who help consumers by making rules more effective and enforcing laws so consumers can take control over there economic lives!

According to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Accuracy And Fairness Of Credit Reporting. Even if we just look at # 4 There in complete violation of my right to privacy! I've been over looking this for far to long and I'm sick and tired of it! Furthermore under 15 USC 1681b Permissible Purposes of consumer reports, I never gave them any written consent to report anything on my consumer report. I've called these bureaus numbers of times XX/XX/2021 even way before this date, written letters as well! It's always the same lie as if they can validate a debt. I am the consumer they can not validate a debt, to validate a debt is to access an action. I'm the only one who can validate a debt and any debt on my report is not mine! It's not true! According to 15 USC 1692a ( 3 ) I do not owe any debt and I am not obligated to pay any debt!!! Furthermore, Constitution Article 1 Section 10.

Another lie they told was they did an investigative report before. Well according to 15 USC 1681a ( E ) they have to do interviews with my neighbors, friends or associates. They never provided any information associated with me the consumer! I told the 3 bureaus that Medical Information is not supposed to be furnished on my report there a HIPAA Violation of the Fair Credit Reporting Act. And yet they still stand! XXXX XXXX has some for {$290.00} others are {$240.00} {$280.00}. XXXX has one for {$910.00}. XXXX has one for {$7300.00}. Again I've called written letters e.c.t. I want all these derogatory marks removed from my credit report at once. Thank you for your help. I am greatly appreciative!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have the receipts and the debit cards where I purchased the two cards they were serve American Express debit cards when was for XXXX  the other one was for XXXX  supposed to send it to my lawyer to pay for some fees and I got home and checked the cards and they were empty and I called the company and they said you got a register so I did or it said it was complete couldn't find out it didn't register so I went back today and tried to register again tried talking to them see if they direct me or have another way to do it nope it would not help but he said you got to register it with no other way also I tried I'm on my phone of course I tried to registered would not allow me to register so the furniture gone off the cards they won't let me register and they won't do it any other way they will not help they did not have an answer for that that you said I haven't registered I want them out of business because they're not supposed to feel the full money off my card number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: TX

Complaint narrative:
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 XXXXXX/XX/XXXX I have fraudulent hard inquiries on my credit report. I file a complaint with the FTC contacted the original creditors and credit bureau. According to the FCRA Equifax is violating my rights sent in all documents and they wont remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
Today is XX/XX/2021 and I am responding to communication from National Credit Auditors Per response from this company, they stated I have never attempted to contact them which is indeed a lie. I have attempted to contact them directly, XXXX  as well. im well aware of my rights and this agency continues to violate them. Please provide me with proof of this letter that was sent that XXXX NEVER received. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor XXXX XXXX. I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement which Anyone can furnish billing statements. Also I have no knowledge of any of the parties listed on that lease.Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. I am proceeding with legal action as prescribed by law against National Credit Auditors Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Within XXXX of XXXX, SCHOOLSFIRST FEDERAL CREDIT UNION reported to XXXX  that this writer made a payment 60 days late and reported to XXXX  and XXXX  that this writer made a payment 30 days late within the same month without this writers knowledge and written consent. This communication to XXXX XXXX and XXXX  without this writers knowledge and written consent is a violation of 15 U.S.C. 1681a ( 2 ) ( iii ), 15 U.S.C. 1681 ( a ) ( 4 ) ( b ), 15 U.S.C. 1681b ( a ) ( 2 ) ( i ) ( ii ) ( iii ), 15 U.S.C. 1681a ( 3 ) ( e ), 15 U.S.C. 1681b ( 2 ) ( a ), 15 U.S.C. 1681a ( 2 ) ( b ), 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ). When I obtained knowledge of the communication I sent SCHOOLSFIRST FEDERAL CREDIT UNION a Cease and Desist Letter which they received on XX/XX/XXXX. This writer discovered on XX/XX/XXXX that the communication made by SCHOOLSFIRST FEDERAL CREDIT UNION regarding this writers payment status was deleted from XXXX XXXX  and XXXX. However, this writer never received the remedy communicated for the above violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was sent a letter from the Law Office of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The letter was addressed to a " XXXX XXXX ''. That is not me, not my name, nor has it ever been and I do not know the person whom they are trying to contact. It stated that I owed a debt of {$2700.00} for an apartment leased in XXXX. I have never lived in XXXX  and I own a home in XXXX. I ignored the letter since it was for a different person. Then, several days later, on XX/XX/XXXX, I received an email from XXXX  that my credit score dropped. I went online and saw the debt collection company " National Credit Systems Inc '' had filed a debt collection against me. I am not the person who owes that debt. Both the Law firm of XXXX XXXX XXXX and the company " National Credit Systems '' have wrongfully filed a claim against me and have affected my credit score. They have a responsibility to research information prior and to be certain that any negative actions on their part, do not harm innocent individuals. This has caused a lot of distress and I have had to spend most of my day today to rectify this. I have had to file reports online, dispute charges, and have also had to call my local police department in XXXX County XXXX  to file a complaint with them. I want the companies responsible for this error to correct it immediately. They need to remove the false debt collection claim and cease any further contact with me and no further actions taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This Mortgage account was paid on time and never late. I was made aware the mortgage was sold to a new lender via USPS and did exactly what both lenders advised me to do. I assume this was reported as late due to an admin error. They reported a payment as late.

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