vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 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: GA

Complaint narrative:
I XXXX XXXX, am a natural person, original creditor and federally protected consumer. EQUIFAX is reporting fraudulent, unvalidated, and misleading information on my credit report. I began disputing the fraudulent and misleading activity on XX/XX/2021. I requested validation of the accounts in question. EQUIFAX has not validated any of the disputed inaccurate information and is in violation of 15 U.S. Code 1692g ( a ) ( 1-5 )., EQUIFAX mislead me into believing that disputed items were accurate but failed to provide proper proof of accuracy pursuant to 15 U.S. Code 1681a ( e ). Furthermore I have a right to privacy as a federally protected consumer, and EQUIFAX is willfully furnishing information without my direct written consent. Under 15 U.S. Code 1681b it states that a consumer reporting agency may furnish a consumer report under the following circumstances ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is in direct violation of 15 USC 1681b ( 2 ) because I have not provided them with any written permission to report anything to my consumer report. I have sent EQUIFAX validation letters, cease and desist, and an notarized affidavit of truth that has went un-rebutted by EQUIFAX therefore it stands as truth and yet they have still refused to cooperate. EQUIFAX has caused me much mental abuse, mental anguish, and mental harm as a result of their fraudulent and criminal practices. I have tried multiple times to resolve this issue directly with EQUIFAX but they refuse to lawfully cooperate and insist on violating my rights as a natural person, original creditor and federally protected consumer. EQUIFAXS actions against me are not only misleading and harmful to me but also criminal and fraudulent and they should be held liable for their criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX, am a natural person, original creditor and federally protected consumer. EQUIFAX is reporting fraudulent, unvalidated, and misleading information on my credit report. I began disputing the fraudulent and misleading activity on XX/XX/2021. I requested validation of the accounts in question. EQUIFAX has not validated any of the disputed inaccurate information and is in violation of 15 U.S. Code 1692g ( a ) ( 1-5 )., EQUIFAX mislead me into believing that disputed items were accurate but failed to provide proper proof of accuracy pursuant to 15 U.S. Code 1681a ( e ). Furthermore I have a right to privacy as a federally protected consumer, and EQUIFAX is willfully furnishing information without my direct written consent. Under 15 U.S. Code 1681b it states that a consumer reporting agency may furnish a consumer report under the following circumstances ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is in direct violation of 15 USC 1681b ( 2 ) because I have not provided them with any written permission to report anything to my consumer report. I have sent EQUIFAX validation letters, cease and desist, and an notarized affidavit of truth that has went un-rebutted by EQUIFAX therefore it stands as truth and yet they have still refused to cooperate. EQUIFAX has caused me much mental abuse, mental anguish, and mental harm as a result of their fraudulent and criminal practices. I have tried multiple times to resolve this issue directly with EQUIFAX but they refuse to lawfully cooperate and insist on violating my rights as a natural person, original creditor and federally protected consumer. EQUIFAXS actions against me are not only misleading and harmful to me but also criminal and fraudulent and they should be held liable for their criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Many companies requested my credit report without my authorization. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual

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 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX and XX/XX/2021my CashApp was compromised for over {$2500.00}. On XXXX XXXX I reach out to CashApp about the fraudulent activity that occurred on my account. Receiving a response from CashApp representative on the online chat was very slow or none at all. Also their toll free number no one ever picks up the call ( XXXX ). Therefore, I also contacted my financial institution XXXX about their issues. XXXX retire my money back to my personal debit card account. However on XX/XX/2021 cash app is now demanding for me to pay back {$1000.00}. I was sent money thorough CashApp on XXXX 2021. CashApp have taken my money unwillingly. 

I am a victim of fraud through using a platform which does donot care about their Consumer 's being victim of fraud, its sneaky and pathetic how a company would prey on the innocent person over using resources to figure out the hackers who committed this offense. Now because I am just an individual I have no safety from CashApp trying to persecute me and have me help responsible for fraudulent activity on my account and people out here who are committing these crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
2021 Identity Theft XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX posted to the Credit Bureau XXXX XXXX XXXX that I was in arrears on paying my XXXX XXXX XXXX XXXX XXXX bill in the amount of {$1100.00}. I do not have, nor never had an XXXX XXXX XXXX cell phone. 

XX/XX/2021 XXXX XXXX XXXX XXXX service provided by XXXX XXXX sent me an account XXXX that a Derogatory Item was posted to my credit report. 

XX/XX/2021 Contacted : ( XXXX ) XXXX XXXX XXXX to get the following information regarding the Alert : - Collection Agency : Credence Resource Management - Payment Due : {$1100.00} - Original Vendor : XXXX XXXX XXXX XXXX ( XXXX ) Spoke with Credence Resource Management and was provided the following additional information regarding the account in collection : - Account Opened : XX/XX/2021 - Account # : XXXX - Cell Phone # : ( XXXX ) XXXX - Home Address on File : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX ) Spoke with XXXX XXXX XXXX XXXX XXXX : Upon request from XXXX XXXX XXXX completed their online fraud investigation form ( XXXX ) XXXX XXXX XXXX Police in order to get a Police report generated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a mortgage loan that was purchased by Suntrust bank. ( XX/XX/2019 ) I have made all payments on time. However, in XXXX of 2019, they failed to apply my full payment properly and immediately submitted it as late to the credit bureau resulting in a lowering of my credit score as well as several other credit companies lowering my credit limits. They have damaged my credit scores and creditworthiness. I contacted Suntrust on numerous occasions to resolve this, and they admit they were in error but did nothing about it. I have full documentation of such. I then hired an outside firm to contact them and try to resolve the issue. Suntrust also admitted they were in error to this third party yet they have done nothing to resolve the issue. I have a letter from this third-party company showing the admission of the error on the part of Suntrust, and yet they were unable to get any resolution either. 

Every time you try to call Suntrust you speak to a different person or department and they give you the runaround and none one takes responsibility to resolve the issue even though they admit the error. This has been the case for more than 6 months now. 

If you are dealing with Suntrust bank, my advice is to be very cautious because they are unethical and unwilling to resolve issues even if they admit those are the fault of the bank. It seems to me this ought to be illegal. I have no resort except to report them in this complaint, hoping that someone will do something about this issue and give help where it is needed.

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 2021-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. SW CRDT SYS Corp, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc. 

1. The reason is it has to be removed from TXXXX XXXX and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, XXXX and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately. 

1 ) XXXX XXXX XXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX  ( account XXXX ) 3 ) XXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}

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 2021-08-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX/XXXX  XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on Transunion , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. 
For Example on Transunion Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from Transunion, XXXX  and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. Transunion, XXXX  and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )

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 2021-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: TX

Complaint narrative:
Daily calls throughout the day from Afni dating back to XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XXXX XXXX XXXX a Unauthorized Device was detected on my coinbase login. I was alerted through my phone if it was me or not. I immediately confirmed it wasn't me and did a Verification check. At that point I figured I was safe but still changed my password. I then received emails that multiple crypto conversions was made to Bitcoin. I then reported it right away. Very soon after I notice that a all the conversions that the hacker done to bitcoin was attempted to be sent to another wallet. It was a pending transaction that was made after I confirmed my account was hacked and notified them. A couple hours late the transaction was successfully made. A Total of {$3400.00} I waited all night for a response from coinbase because I just didnt understand how after I click the link that it wasnt me from the Unknown device that a transaction was still able to be made by this device. They havent help me and all my funds are gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: MO

Complaint narrative:
After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately. 

1 ) XXXX XXXX XXXXXXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX ( account XXXX ) 3 ) XXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately.

1 ) XXXX XXXX XXXXXXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX ( account XXXX ) 3 ) XXXXXXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}

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 non-monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
For the past two months I've been trying to pay off my loan and the links to pay off the loan don't work. Notice in the attached video that all other links work just fine. I want to pay off my loan early to reduce the amount of interest owed and I think this additional barrier to pay off loans early might have some customers decide not to choose the option and the company can make more money with longer terms.

Company response to consumer: Closed with explanation