vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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: NCB Management Services Inc.
State: GA

Complaint narrative:
Per Congress there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices. These illegal practices have led to an invasion of my privacy per 15USC1692 ( a ). XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is in direct violations of my federally protected consumer rights. I use my consumer report to extend myself credit, my federally protected right per 15USC1602G. 15USC1601 states its purpose is to protect me, the consumer, against inaccurate and unfair credit billing and credit card practices. Congress also states credit reporting agencies have assumed its role per 15USC1681 ( a ) ( 3 ). They must report what I instruct them to. 15USC1681s-2 ( 7 ) ( e ) states use of notice without submitting negative information and 15USC1681s-2 ( 7 ) ( g ) ( i ) states no reporting negative information about the consumer. On or around XX/XX/2021, XXXX XXXX XXXX XXXX out the balance on an alleged debt and sold the account to NCB MANAGEMENT SERVICES, an invasion of my privacy & violation of my federally protected rights. I previously commanded XXXX XXXX XXXX to cease all collection of any alleged debt and to cease all communication with me and all 3rd party debt collectors in regards to me for all purposes. XXXX XXXX XXXX is currently in violation of my federally protected rights. My question for XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is did XXXX XXXX XXXX inform NCB MANAGEMENT SERVICES that I demanded XXXX XXXX XXXX to cease all further communication with me and any 3rd party debt collectors in regards to me for all purposes?

Before we get to validation per 15USC1692g, the FDCPA states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES must have my permission to communicate with me per 15USC1692c. XXXX XXXX XXXX and NCB MANAGEMENT SERVICES does not have my consent to communicate with me or any 3rd party debt collectors in regards to me for any purpose. 15USC1640 states any debt collector who fails to comply with respect to any person is liable to such person any actual damage sustained. Under federal law, I am entitled to emotional distress, damages, economic damages costs and attorney fees per 15USC1692k and other consumer protection laws. FCRA defines a consumer report as a medium, which is communication. I am NOT requesting an investigation or verification because Congress states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES do not have the power to do so per 15USC1681 ( a ) ( 3 ). I am commanding an expeditious and permanent deletion of adverse account being furnished and immediately and permanently stop reporting for all purposes and to cease any further communication with me and any 3rd party debt collectors in regards to me for all purposes. 
I never gave XXXX XXXX XXXX or NCB MANAGEMENT SERVICES consent pursuant to federal law 15USC1681b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CO

Complaint narrative:
I have sent 5 letters starting in XXXX of XXXX to Transunion to verify an account that is reporting that should not be on my report. Ive attached the last letter sent to them, and I still haven't received validation or removal of this item,

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 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi is not applying payments to the highest rate balances after the minimum payment. Instead they are applying payments first to 0 % balance transfer offers before purchase balances. This leads to making it difficult for the consumer to pay off the purchase balances and getting charged more interest than if they were paying off the highest rate balances first after the minimum payment as the card act stipulates. The balance transfer offers are 0 % for a limited amount of time and not deferred interest offers.

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 2021-10-22 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: CA

Complaint narrative:
Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ]. I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritorious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. Thank you. Enclosures.

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 2021-10-22 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: MN

Complaint narrative:
On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime bank has suspended my account. I have spent 2 weeks sending them every documentation they asked for. And I get no reply at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp.
State: OH

Complaint narrative:
On XX/XX/2021 I the consumer and natural person was violated and had my property seized and stolen from me by and unauthorized third party by the name of XXXX XXXX. I have never had any prior business or interactions with this company nor have I ever gave this company consent to take possession of my private property. I am in fact the entitlement holder for the property and I demand I be returned. This company received an order from XXXX XXXX XXXX to take my property due to non payment but it is a fact that this vehicle was paid of pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This vehicle was 100 % paid off from XXXX XXXX  XXXX XX/XX/2021. After it was paid off, the dealer sold this contract to XXXX XXXX XXXX XXXX. This notice is for XXXX XXXX and XXXX XXXX XXXX. XXXX XXXXy request a copy of the alleged agreement between this company and look at page 3 section 2 ( c ) It states " This secures payment of all you owe on this contract ''. Also there was a cease and desist placed on this on vehicle XX/XX/2021 at XXXX ( the recording will be attached ) Notice to agent is Notice to principle, Notice to principle is notice to Agent This is a formal notice This is a Cease and Desist I am the consumer pursuant to federal law 15 usc 1692D I am the administrator, and executor. You all have violated 15 usc 1692B ( 2 ), 15 usc 1692C, 15 usc 1692D ( 1 ), 15 usc 1692D, 15 usc 1692E, 15 usc 1692F, and most importantly 15 usc 1692G ( c ) I am the consumer of the united states and I dont owe anyone anything and this is written notice that I refuse to pay any and all debts until you all provide me with federal laws that state that I am responsible for paying any debt and written disclosure that I gave you stating that I want to do business with either of you, ( contracts that where purchased do not suffice as written agreements between XXXX  XXXX  or XXXX XXXX XXXX XXXX ). 
Return my property to me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit card utilization still shows 23 % although the balance is paid and my credit limit has increased. My credit card company reports the status of my account on the XXXX of every month to the credit bureaus. Experian allegedly updates my report daily, however, this information is not being reported accurately.

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 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: OK

Complaint narrative:
I lost my brother due to a murder and I got behind on my cc bills but since then I have paid off all my debt and Discover continues to try and keep me from moving on with my life. This has been more than ten years and they continue to have it listed as a derogatory mark against me on my account that it is affecting me from getting a better house and a better house which is costing me thousands in interest e every year due to this hardship that I have been trying to rectify the last 15 years of my life and it continues to linger on my credit report as a sore to remind me that even though I have made the payment it shouldve been removed after 10 plus years because this is obsessive and unreasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: WA

Complaint narrative:
I reported my cash card lost/stolen in XXXX.. after receiving my new card, I reported unauthorized transactions on my card that was canceled.. I pointed out specific transactions and a specific card number.. my complaint was ignored. Somehow the card is linked to my current account for direct deposit along with 4 authorized users that I did not approve. Cash app should be held accountable for all of the unauthorized transactions! I dont know how a card that was reported stolen can be reactivated! My security requests were ignored. I feel like I was discriminated against when I first complained and was laughed at saying there service was secure! I am canceling my account and advising everyone I know to do the same! Their services are not secure!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
XXXX, XXXX XXXX, and cbna inquires were on my credit report. I submitted police reports and Equifax said all inquires no matter if you didn't do them are facts and stay on your report even if you never allowed them. They also won't let me change any info on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TN

Complaint narrative:
Collector : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$950.00} Collector : XXXX & XXXX Account Number : XXXX Balance : {$220.00} Collector : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$3900.00} and {$6100.00} This is a formal complaint against the three credit bureaus ( Equifax, XXXX, and XXXX ). I'm on my fourth dispute letter and I have not received any updates or changes to my credit report. I have pulled my credit report again today and all I see on these accounts I have mentioned above are inconsistent and incorrect information being reported such as the date of last activity reporting on different months which is troubling to me. There can't be three separate payments made on a single account for sure.. It's either the account is verified through multiple sources or creditors which is impossible and not acceptable or the bureaus did not do their job of conducting a reasonable investigation and reaching out to the original creditors of the account to validate the reporting. 

I have attached copies of the letters I have sent to the credit bureaus and collectors as your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the Experian MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-10-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to Equifax MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the TransUnion MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-10-22 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 have contacted CITICARDS XXXX and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2015 with a Balance of {$6000.00}. Other than been fraudulent, the bank is still reporting a balance of {$6000.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.

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 2021-10-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have contacted CITICARDS CBNA and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2015 with a Balance of {$6000.00}. Other than been fraudulent, the bank is still reporting a balance of {$6000.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.

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 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
So a couple things wrong. The credit card company is capital one, who midland credit funding claimed they reached out to. I had reached out to Midland Credit Funding because I had paid off a debt of two separate credit cards around the same time. I reached out to them when I saw that they were attempting to re-report a debt that I had paid. When I reached a settlement deal with the debt collection both credit cards were updated on my credit report as settled and had a balance of XXXX for about 1 year and a half after. Fast forward to recently and I had called them to dispute and they eventually sent a letter saying that the debt was valid. It doesnt make sense that the debt was cleared from my credit when I paid both debts off and they come back and say that I owe them a {$3000.00} debt again. So they re-reported it on my credit report and put an update to my balance that went from {$0.00} ( settled ) to a now balance of XXXX. The second problem is that the report is now showing that the debt was made in XXXX when originally everything was back closed and settled in XX/XX/XXXX which is what originally was on my credit report and it was opened in XXXX XXXX. I would like this removed from my credit report because both accounts were settled just for them to come back and say I owe {$3000.00} all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 have contacted XXXX XXXX XXXX XXXX and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2016 with a Balance of {$1300.00}. Other than been fraudulent, the bank is still reporting a balance of {$1300.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.

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 2021-10-22 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase routinely violates the law on disputes and fails to : 1 ) Perform an investigation and provide documentation - no documentation or evidence that any investigation or review was performed has been provided to date.

2 ) Provide a clear explanation of what is owed and why ; provide documentation supporting the validity charge - no documentation and on explanation was provided at all.

3 ) Provide proof of purchase or signed sales receipt - no documentation was provided at all.

4 ) Resolve disputes within 2 billing cycles or 90 days - this charge was 149 days ago.

A specific example is cited in the attachments.

The ONLY information ever provided by Chase is attached and does not satisfy ANY of the four requirements described above. This is their standard operating procedure for virtually all disputes. All communications regarding this issue are either ignored or met with form letters such as the attached that do meet the requirements of the law 's consumer protections ( see attached ).

Company response to consumer: Closed with explanation