vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allegiant Capital Recovery LLC
State: MI

Complaint narrative:
Allegiant Capital Recovery Services has violated my federally protected rights under the Fair Debt Collection Practice Act. 
XX/XX/2022 I reached out to Allegiant after receiving an email that says Final Notice when I was only contacted once before and I thought they were different debt collection agency and told them I already satisfied the balance. I spoke with a representative by the name of XXXX who was very rude and used obscene and propane language and gotten frustrated with me asking questions about the account that I have no knowledge of and threatened to report it to the credit reporting agencies if I didn't pay immediately which is a violation under 15 USC 1692e ( 8 ). She said they have little information, no contract only a couple statements and can not provide me with additional documents to verify the account unless I pay because the documents cost to receive them from the creditor. She also told me I know nothing about FDCPA and she can talk rude because she is not customer service. Today XXXX I received a blank contract with no signature that has a totally different balance from what they are collecting on. I am asking this company to Stop All Communication with me unless it pertains to my specified remedy including no communicating with my consumer report as they have threatened. They have failed to provide me with documents including but not limited to a contract binding you and I, and to show you are the holder in due course and that you have a obligation to collect from me. Please check attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In error, I made a duplicate payment on XX/XX/2022 in the amount of {$340.00}. I noticed my error on XX/XX/2022 and reached out to Barclays using the automated message feature online after logging into my account. I was told that the ACH would not be reversed but I would receive a credit on the next billing cycle. 

A billing cycle has passed and I did not receive the credit as expected. I reached out to Barclays and they told me they had no record of the request. My balance is now - {$340.00} - meaning I have zero amount due and it is obvious that I am owed money by Barclays. Instead of issuing an immediate refund to my account, the account representative I contacted immediately issued a check that would be sent in XXXX business days. This should have been completed when I initially contacted Barclays. 

I have copies of all chat and email transcripts that I can provide for verification of the above. I ended up closing my account with Barclays that I had for many many years because I do not trust them and I am considering reaching out to my state 's attorney general to formally file a complaint as it relates to XXXX. Barclays was extremely deceptive and in my communication with the account representatives it is clear that their practices caused harm to me as I have been without the funds for over 45 days at the time of this complaint. 

I want Barclays to let me know when the check was issued via mail and I would like someone from their management team to contact me so I can further file a formal complaint with their office to ensure this terrible customer interaction is not experienced by other consumers.

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 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated the accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they also violated my rights under, 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 : Also states a consumer reporting agency can not furnish a account without my written instructions. Which I DID NOT give them written instructions to do so. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX ( TransUnion ), # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX and # XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Account # XXXX Account # 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 2022-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated the accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they also violated my rights under, 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 : Also states a consumer reporting agency can not furnish a account without my written instructions. Which I DID NOT give them written instructions to do so. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX ( XXXX ), # XXXX XXXX XXXX XXXX XXXX ( Experian XXXX and # XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Account # XXXX Account # 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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
So XXXX keeps putting a XXXX $ bill on my credit as dept, I had this inquiry removed a couple months ago due to it being fraudulent then on XX/XX/20 they put the same dept payment on my credit just used a different collection company and I spoke and told XXXX that I am not responsible for that account and somebody had to use my information I let them know I was a victim of identity thief they said they can not help me I am not responsible for that account or XXXX $ balance I currently do not have or do business with 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 2022-04-27 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: MOHELA
State: AL

Complaint narrative:
I have filed several disputes with the XXXX and XXXX about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted XXXX and XXXX by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

Mohela Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to Mohela and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at Mohela to have the account removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CO

Complaint narrative:
American Coradius International LLC sent a letter addressed to me. It says I owed on a XXXX account XXXX and {$170.00} was paid or credited toward the debt. It states, " Total amount of the debt now : {$590.00} '' The letter is dated XX/XX/2022. 

This is NOT my XXXX account, nor did I have a purchase of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I disputed two transactions with my credit karma bank account on XX/XX/2022 in the amount of {$200.00}. Both {$200.00} transactions were not authorized. I kept in contact with the bank and on XX/XX/2022 I received an email at XXXX. Saying that my account will be receiving my refund on XX/XX/2022. When the refund didnt hit my account I called. The man I talked to said there system had crashed and they cant do anything to call back in an hour. I did. They then said they now denied my claim at XXXX. They denied my claim because i I am responsible for all authorized users. He is not an authorized user after telling them this they then locked and closed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: EQUIFAX, INC.
State: IN

Complaint narrative:
i have submitted documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I had an unauthorized transaction from my XXXXXXXX XXXX  checking account through CashApp. I have never in my life used CashApp and the account was started fraudulently. The amount of the fraud transfer from my account was for {$150.00}. I have requested documentation to show that the charge was not from my phone, nor did I authorize any charges from my phone. I believe my number was routed through the CashApp and was authorized through an alternative method using my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX  XXXX XXXX, account XXXX XXXX XXXX XXXX  XXXX XXXX  , account XXXX XXXX XXXX, account XXXX XXXX  XXXX , account XXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX  XXXX XXXX XXXX, account XXXX XXXX XXXX  XXXX, account XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX  XXXX XXXX  , account XXXX XXXX XXXX, account XXXX XXXX  XXXX , account XXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX  XXXX XXXX XXXX, account XXXX XXXX XXXX  XXXX, account XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  account # XXXX, Open XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  account # XXXX, Open XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-27 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX DSNB MACYS XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Re : Account Number 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 2022-04-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-04-27 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: KY

Complaint narrative:
My wallet got lost years ago I never made a police report because it was returned I never relieved these until I started to understand my credit report and relieved these XXXX XXXX XXXX account and inaccurate and Unauthorized things along with name change and wrong address which were deleted

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 2022-04-27 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: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-04-27 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: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
Here is the certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has failed to complete an investigation that I have sent documented Letters to their office of my intent to sue if they did not remove you in accurate accounts pursuant of the FCRA.Im entitled to 100 % accurate credit report and Trans Union has failed to respond to certified mail that was sent to them.

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 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX Auto Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX  XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX5 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX Auto Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
venmo has issued a new user agreement ( https : //venmo.com/legal/us-user-agreement/ ) the only way to opt out of arbitration is via printing and mailing a form ( https : //help.venmo.com/hc/en-us/articles/360062640153 ) this is a fully online company. this is an onerous burden designed to make it too difficult for people to retain their full legal rights for recompense against Venmo

Company response to consumer: Closed with explanation