vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
PARAGON REVENUE GROUP  has a {$7300.00} hospital bill ( with XXXX XXXX XXXX, XXXX XXXX, Florida ) which they posted as a NEGATIVE on my credit report in XX/XX/2022. Since this is the ONLY outstanding debt that shows on my credit reports, they have negatively impacted my credit. This medical bill was for an emergency room visit which my health insurance paid a lot of money on and I did not expect this surprise bill. I want Paragon Revenue Group to REMOVE this hospital bill debt from ALL credit reporting agencies. I never received an itemized bill from the hospital despite numerous attempts to acquire one. Please help and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
TRANS WORLD SYSTEMS, debt collection agency have been calling me daily claiming I owe thousands of dollars to a XXXX lab. When I told them I have never had any XXXX lab work and that this debt was either a mistake or possible identity theft, they claimed they would look into it but still insisted I make payments. They also claimed that I had made prior payments in the past which was not true. They were not able to accept that I would not make payments for a debt. that I did not owe. They were persistent and didn't seem to get the message at which point I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I have a XXXX credit limit and have been making all my payments except 1 now my loan owe Is greater then my loan amount it don't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: SC

Complaint narrative:
Moneylion is an app that allows you to borrow cash, Moneylion states I didn't pay back this {$28.00} on XXXX. Even after me giving them my bank statement and my email confirmation that I received from Moneylion after the payment was made they still have my account owing them {$28.00} for over a year, waiting on me to pay back an amount that I have already paid, I even paid additional {$35.00} because he transaction caused my account overdraft, and a year later I am still being told that I did not pay this amount that I paid, also they are playing on people intelligence Please Download this app, they already that 2 transactions can not be made back to back you have to pay the old one off before they are able to give you a new instacash borrow  ... and they are acting like they don't know this but the whole organization knows this and they are simply playing on peoples accounts and acting like people owe them money when really do they need to get hit with a large fine because they are using people to pay extra money we don't owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
XXXX XXXX ; I would like to make a case a complaint against this company Mariner Finance. They sent out a letter with a check in it. My mother and I have basically the same name and live in the same house. I dont see the mail because my mom and dad are retired so when I come home my mail is in my area to received. I placed the check in my account and did as usual. When I can time to pay the check back, I downloaded the account and called the company to set up everything to come out of my bank account so I could build up my credit. Well, I found out that it belonged to my mom. I informed the company that this was a honest mistake. Could they just transfer it into my name so I could pay it. They stated they needed a statement from my mom, which she wrote and we both signed stating she knew nothing about the loan and didnt want a loan. My mother is XXXX XXXX XXXX. I was trying to build up my credit so I can get married this year and buy a house. They told me I had to get a loan to pay this loan off then pay that loan off. I told them I wasnt going to do that. So while going back and forth with headquarters and the branch office they wouldnt allow me to make the payment until they say that was going to transfer it over. I also told them Im the one trying to get the credit not my mom. Why would I make a payment in her name when she didnt sign any papers, there was not ssn number on the paperwork. I wasnt going to do that either. Then the manager XXXX XXXX stated that she could get me for Fraud and tried to intimidate me to pay it. I called headquarters again and stated what was said to me. Im more afraid of XXXX than any man. I try my best to not be in a situation to lie. It was an honest mistake. My divorced name is XXXX, I was born with XXXX as my last name just as my mom. So I had to borrow the money from my partners savings for our house to pay it back. Instead of them allowing me to pay the {$3500.00} back they charged me {$3700.00}. My account for this company was XXXX. Can you please help me recover my money back. All I was trying to do was build up my credit to get married and buy a house. Very heartbroken of trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I disputed a charge in XX/XX/23 because an item I purchased had been returned and not properly refunded ( {$10.00} of {$210.00} ). 

XX/XX/XXXX  I received a letter saying they were rejecting the dispute unless I provided more information, I sent them a detailed signed statement as requested, the purchase receipt and the invoice showing them the item had been returned. 

Within an hour, I received an automated letter saying I failed to provide any evidence and my case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NJ

Complaint narrative:
XXXX XXXX, XXXX XXXX, continues to report on my credit report that I have a balance of {$780.00} owed. I wrote them a letter on XX/XX/XXXX of XXXX  asking to please send proof of this debt, provide me a copy of all of the information that was transmitted to the data furnished as part of their investigation. I never got a response however its still hurting my credit.

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 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
calls from Midland fuding LLC different numbers all times of the day. spam mail I also asked for original documents from from original creditor and was not given one. I need this off my credit report asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
DEAR CFPB I, XXXX XXXX HAD APPLIED FOR A CARD WITH XXXX. I NEVER HAD A CREDIT CARD BUT A VOUCHER SAYING I WAS APPROVED WITH THEM. THEY SENT OUT A DEFECTIVE PRODUCT AND WANTED ME TO PAY THE POSTAGE TO SEND IT BACK. WE ALL CAME TO AN AGREEMENT AND THE MATTER WAS SOLVED. IN RETURN I CANCELLED THE ACCOUNT THIS WAS ABOUT A YEAR AGO. IN RETURN THE COMPANY CREDIT BUREAU BEGAN TO CALL ME AND HARASS ME CEDARS BUSINESS SERVICES. I TOLD THEM THAT I DID NOT OWE XXXX ANYTHING AND HOW THE MATTER HAD BEEN SOLVED OVER A YEAR AGO. I HAVE EMAILS STATING THE ACCOUNT WAS CLOSED AND SOLVED I ALSO HAVE THE INFORMATION ON A RECORDED MESSAGE. I INFORMED CEDAR BUSINESS SERVICES AND THEY DID NOTHING BUT KEEP SENDING ME EMAILS AND CALLING ME SAYING THEY DONT CARE WHAT XXXX SAYS THAT I OWE THEM. IF THIS DONT STOP A LAWSUIT IS GOING TO BE FILED AGAINST BOTH PARTIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus keep disregarding the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws nor mine. 

Someone needs to hold them accountable for this

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 2023-05-18 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: FL

Complaint narrative:
The credit bureaus keep disregarding the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws nor mine. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
Previous complaint never properly resolved. Overcharged {$71.00}. Merchandise either defective or provably undelivered. XXXX acknowledged the total failure and gave a {$7.00} shipping credit. An admission of wrongdoing. I received a letter from Discover saying the account is closed. Now a week later they are billing me for the totally bogus ILLEGAL charges and applying interest. Discover isn't clean as well having spuriously charged me {$30.00} on a " returned check fee '' when I wrote no check and had some problem getting Discover to recognize a new bank account. The ILLEGAL FRAUDULENT THEFT charges will never be paid.The account has been closed and I am NOT RESPONSIBLE FOR ANY DISCOVER FICTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CF P B : Capital One just closes this dispute since XXXX XXXX  (! ) without resolution Submitted many times and Capital closes as duplicate but NEVER answered with resolution letter Please ASK CAPITAL ONE for resoltion and finality on this matter I have sent recipts, answered their form, copy receipt every piece of documentation I could think of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
I seen a unauthorized purchase on my account and my money was stolen over {$3000.00} dollars I got money back for 3 of the payments totaling {$1200.00} and I been told I authorized the transaction for {$1700.00} when I have proof that I never got a hotel or even made a authorized transaction for a hotel and I have receipts and bank statements and I would like my money back thats too much to lose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: KY

Complaint narrative:
on XX/XX/2023 USBank took XXXX dollars out my account due to someone stealing my check we have pressed charges on her we going to court for it > but due to us bank taking it out my XXXX account it shut my account down I lost my account an i have over XXXX XXXX  threw up in the air cause u won't give it back the check that ya let her come in there an cash it stats on the back of my payroll check deposit only for chase an ya allowed her to come in there cash it again.my bank has send numerous complaints in a nothing getting done. due to XXXX XXXX XXXX being my employer 's banker, nothing is getting done. i have hired a attorney for this because this isnt my fault an no one wants to give my money back look on the check it says only to chase to be deposited an ya let her cash it again on XXXX XXXX an we deposited on 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 2023-05-18 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: FL

Complaint narrative:
The credit bureaus keep disregarding the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws nor mine. 

Someone needs to hold them accountable for this

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 2023-05-18 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation