vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
1st. I received a summons to appear in court. I had received no notice of closure of the account. I received no other contact via mail. I did not receive a notice 15 USC 1692g ( d ). This is a clear violation of my rights and I expect it to be properly investigated and prosecuted.

2nd. The sum being requested for repayment far exceeds any credit account that I ever have had in my life. No amount of garnered interest can account for the inflated demand of the litigation. ( {$9400.00} ) 3rd. The suit is being brought forward by XXXX XXXX XXXX in XXXX  registered XXXX XXXX Nonclassifiable Establishment. This seems like an obvious deception attempt. Wouldn't a Law Firm that was providing strictly legal services register as NAICS 541100 - Legal services. They can't register as a legal service because they are providing ( financial services ). But they can't register as a ( Financial services ) because that would make them a junk debt buyer and then they couldn't sue on behalf of there clients if you guys actually put 2 and 2 together.

4. Also lets take a look at this " Nonclassifiable Establishment '' XXXX registration because XXXX XXXX XXXX is where they lawsuit was filed. In XXXX they have registered agent with a company called XXXX XXXX XXXX XXXX Who also has a registered agent with a company called XXXX  XXXX XXXX out of XXXX XXXX XXXX Now here is the kicker, XXXX  XXXX XXXX has a registered agent of XXXX XXXX XXXX XXXX XXXX who has listed XXXX XXXX XXXX as there registered agent. This means that those entities loop back onto each other. I'm sure there is nothing illegal about that right. 
I also noticed that the cfpb seems to not take the side of the consumer even if that is directly in the name. How do I know this well i have looked and seen all the complaints that have been brought forth to you about this company and it appears all they need to do is just say hey guys we did our job right and you all brush it off. So I will be including a copy of this notice to a large panel of our elected officials. Your boys club protecting the debt collectors is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: Kikoff Inc.
State: NH

Complaint narrative:
My information is on the dark web, and somehow, somebody opened an account in my name and got a loan or something. I need my government to help me just remove this from all 3 credit bureaus. I want nothing!. The name of this company is XXXX. I've never heard of them until the alert came from XXXX credit bureaus. Need to find where they deposited the money, AND what ID they used!! Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: KS

Complaint narrative:
Jefferson Capital Systems did not sent me any verification by email or mail letter to show that the debt was my. I have disputed this debt through XXXX show as verify with out any proof of information that was ask by mailing letter and digitally uploaded, and yet did not show me any proof of letter of my signature that I own on this debt I already have been asking for the verification letter over pass 60 calendar days, but yet again and again Jefferson Capital Systems fail to show me any proof of verification of the debt, and keep reporting on my credit report as verified. Jefferson Capital Systems continue to be little consumers this company conducting the business is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
I did not open an XXXX XXXX XXXX account in XXXX this is not my debt Enhanced XXXX just appeared on my report and they are not providing me address of services will not remove this is not mine. I have filed a dispute with XXXX that came back in less than 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have filed a report with FTC reference # XXXX for unauthorized inquires on my credit report. Im unable to upload my FTC report, but I have uploaded the reference number screen showing report was made. 
Below are unauthorized inquires. I 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have filed a report with FTC reference # XXXX for unauthorized inquires on my credit report. Im unable to upload my FTC report, but I have uploaded the reference number screen showing report was made. 
Below are unauthorized inquires. I XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX received email from chime of account closure and transferring my savings to my checking so I login to take money out and I can not login and access account anymore mins you they sent the email the same day they closed my account not giving g me time to take money out I am a single mother and have XXXX  XXXX XXXX bills coming up and without money it is crazy and ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I got an alert through my credit monitoring service that a new collection had been placed on my report with the three credit bureaus. 

It is my understanding that Debt collectors are required to send a " Debt Validaton Notice '' that affords me 30 days to dispute the validity of a debt prior to furnishing the debt to the bureaus. I NEVER received a Debt of Validation notice that is required by law which would have given me 30 days to dispute the validity of your claim to collect on this debt! Neither did I receive a phone call. This is a serious violation of federal law. If Central Portfolio Control would have sent proper notice, I would have had the opportunity to challenge this alleged debt before it was furnished and causing my score and reputation to suffer significant damage. This is a violated of section XXXX which requires the debt collector to contact me prior to furnishing the debt with any of the bureaus informing me of the debt. 

Furthermore, I called the debt collector who furnished the alleged debt on my reports on XX/XX/2023 at XXXX to confirm the address as to where I could send a Debt Validation letter and the employee at Central Portfolio Control lied about the address. She gave me a different address than what was listed on my report AND XXXX. When I questioned the discrepancy with this employee, she told me the address listed with the bureaus and XXXX were incorrect. So I used the address she verbally gave me. However, when I went to the post office on XX/XX/2023, the post master told me that the address I was given was invalid. We had try and locate a publicly listed address on XXXX in order to get a workable address for this collector. This wasted my time, the post office 's time, and held up the line. This employee lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-25 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: Synovus Bank
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: AZ

Complaint narrative:
On ( XX/XX/25 ( /2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: MS

Complaint narrative:
On XX/XX/XXXX2021, I was told that I needed to pay XXXX as a down payment on a XXXX XXXX XXXX. I was also told that I had to have full coverage insurance on the vehicle before I can leave. I have reason to believe that the lender ( Global Lending Services ) willingly and knowingly took advantage of me and my consumer credit. Within the contact I found at least 10 consumer law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: OH

Complaint narrative:
CashApp is a popular and widely used financial service where people can receive funds and send funds and can make purchases using a card provided by CashApp and have those purchases refunded to the same card as well as adding and withdrawing funds using a variety of methods including transfer via debit/credit charge to non-CashApp card, direct transfer/wire from outside account, or ATM cash deposit. 

What CashApp does not allow is downloading or viewing statements outside of the app, and users are not able to view any records or ledgers of any duration or length of time for transactions under their account. 

I contacted CashApp support for assistance with many issues I encountered using their service, and one of those issues involved a handful of missing and extra transactions. During my initial overview of transactions logged in CashApp I noticed that I had not received funds from refunded purchases, and contacted CashApp support to request a detailed list of transactions. I was informed by multiple CashApp support representatives that they are unable to provide statements or a transaction history and that I could view all transactions under the activity portion of the app. 

My transactions do not balance as currently listed in-app, and transactions that I know had been refunded should have my account balance at a larger amount. CashApp support representatives have declined to investigate, and my requests for documentation from investigations have been denied. I want a list of all transactions made under my account, and I feel CashApp is hiding more than one thing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Credit Reporting for their inaccurate reporting of mXXXX XXXX XXXX XXXX XXXX ( Revolving ) account number : XXXX. This account was opened on XX/XX/2021. The information being reported by Experian Credit Reporting is inaccurate and is violating several laws, including the Fair Credit Reporting Act. 

I have reviewed my credit report and found that Experian Credit Reporting is reporting inaccurate information regarding the addresses associated with this account. They are reporting the following addresses : " XXXX XXXX XXXX XXXX, CA XXXX '' and " XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. '' However, I have never lived at these addresses nor have I authorized XXXX XXXX to report these addresses or account to Experian Credit Reporting. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, Experian Credit Reporting has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit.

Moreover, as per 15 USC 1681b ( 1 ), credit bureaus must have written permission from consumers to report their information. However, Experian Credit Reporting has reported my XXXX XXXX XXXX XXXX  ( Revolving ) account without my written permission, which is a clear violation of this law. 

Furthermore, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by Experian Credit Reporting. According to 15 USC 1681s-2, 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. The credit bureau has been notified of the inaccuracies, yet they continue to report false information. 

Therefore, I demand that Experian Credit Reporting delete the inaccurate information immediately, including the incorrect addresses associated with my XXXX XXXX XXXX XXXX ( Revolving ) account. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against Experian Credit Reporting and ensure that they comply with the laws that protect consumers ' rights. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got hired by the insurance company ( eventually I found that the job opportunity is not by that company, someone was pretending that the company 's HR ). They gave me the bad paycheck bounced and asked me to make a deposit cash to the vendor 's account for delivering the work equipment to me. They said that is their company policy. On XX/XX/XXXX, after I checked that the paycheck amount is available on my bank of America online page, I withdrew that amount ( {$3300.00} ) and transferred the money to them. But after that, I found the paycheck got chargeback and I found it is fraud. If it is not a real paycheck, why the bank shows " available '' first?

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 2023-03-25 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: AZ

Complaint narrative:
On ( XX/XX/25 ( /2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation