vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NorthStar Technologies
State: OK

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ), an attorney, knowing and willingly turned his head for monetary gains to the inappropriate actions of XXXX XXXX XXXX ( XXXX XXXX ), goes by XXXX XXXX. XXXX XXXX is a debt collector using unethical means to collect debt on behalf of the collection companies he owns, XXXX XXXX XXXX XXXX XXXX, NORTHSTAR TECHNOLOGIES XXXX XXXX, CREDITORS XXXX XXXX. These named companies collect debt either by ownership or servicing for other businesses. 

Some of the unethical means used include fraudulent process serving, fraudulent mileage charges, inconsistent and erratic debt balance amounts, failure to disclose to the court XXXX XXXX relationship to the case properly, improperly filing cases in the correct court purposely while hiding the identity of all plaintiff parties involved. 

Both XXXX XXXX and XXXX XXXX have failed to properly identify the nature of the cause of action correctly to the court and filed cases consistently and continuously in the wrong court ( XXXX ) to circumvent the process and true nature of what was going on. Both XXXX XXXX and XXXX XXXX knowingly and purposefully bypassed and failed to disclose to the court and defendant that they are collecting on behalf of one of XXXX XXXX collection companies so they can file directly in small claims court, which is prohibited by law, just to try to gain another advantage. 

Furthermore, XXXX XXXX failed to tell any court where XXXX XXXX businesses were involved that he was also acting as the private process server in the matter in serving the defendant. XXXX XXXX had immense conflict in every action he served on behalf of one of his companies due to his companies and him having monetary gains through process server fees, mileage, default judgments, garnishments, interest and etc. By XXXX XXXX allowing XXXX XXXX to act as the private process server in his own lawsuits and failing to tell the court of the nature of his relationship, they effectively took away any scrutiny the judge or defendant would naturally have in the validity of the action. 

XXXX XXXX failed to take any precautions to safeguard the process of service by ensuring XXXX XXXX was acting in a reparable, ethical and in a precise manner. Rather, XXXX XXXX put his monetary gains from XXXX XXXX XXXX above all else and rubber-stamped XXXX XXXX actions knowing that there was an immense amount of conflict with XXXX XXXX acting as his own process server for his businesses, therefore, bringing into question the validity of both their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
Card can not be used because they are stating there is a fraud, it is my card and they will not tell me what the problem is. They keep asking for a lot of my personal information which I do not like to give out.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX FRAUD DEPARTMENT XX/XX/XXXX XXXX  This is my FIFTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 
I have summited all the required documents including : 1 ) POLICEREPORT 2 ) IDENTITYTHEFTREPORT 3 ) PROOFTHATIWASUNDERFEDERALCUSTODY 4 ) PROOFTHATIWASRELEASEDONXXXXINNEWYORK 5 ) PROOFTHATIWASLIVINGINNEWYORKUNDERXXXXUNTIL XX/XX/XXXX 6 ) OTHERDOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car when I was in XXXX XXXX and then a XXXX House and XXXX XXXX living in XXXX  XXXX New York XXXX 
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX  and all during my time in XXXX and XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a warrant for his XXXX 
There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX house or XXXX XXXX without having to go through my XXXX XXXX 
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : XXXX XXXX XXXX opened on XX/XX/XXXX, while I was under XXXX XXXX I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. 
Thank you for your time, 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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My Experian report came in the mail XXXX on XX/XX/year>. After review I realized there are many inaccuracies and false information being reported. I disputed these inaccurate and false information and told them to delete these items from my consumer report as it is my right and their grave responsibility to report accurate information on all consumers to ensure the banking system is ran smoothly. Further more the FCRA also states that whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum accuracy of the information concerning the consumer to whom the report relates. This is absolutely not the case with Experian as I have showed and told them of these inaccuracies and to delete these accounts pursuant to FCRA where it is stated that after reinvestigation disputed information found to be inaccurate ( it is inaccurate, this is why they wont follow up with a full description of their reinvestigation ) they SHALL PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE CONSUMERS FILE! Not only have they yet to delete these items from my consumer report they send me a notification and say its updated and has been verified ( which in any case the reinvestigation must be validated not verified and still neither action was met. Not one of these items were changed/updated as they claimed in the notifications of completion. These MUST be deleted immediately. All pictures of my report I received in the mail are attached where you can see the inaccuracies highlighted and how they are the exact same as before the investigation meaning no updated and said to be verified when it is clearly inaccurate.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These companies abused my credit profile without my consent, even making several inquiries about it. bank without any reason or authorization

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 2024-06-12 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
See all letters I have attached

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX & LVNV FUNDING LLC continue to this allege collection even though I have previously stated I have no obligation under law to pay this debt. I refuse to pay this debt and have not received any notice of my right to dispute this debt before it was added to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting 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: OH

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.

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 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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year>2024 : I added {$230.00} to my cashapp account from debit card connect to my cashapp. I then wanted to add the funds to another debit card, but that morning when I tried the cashapp said failed. I clicked on my profile to contact cashapp chat support. I waited for an agent to contact me back. When agent contacted me, I then verified my account and self, then asked what was wrong with my account, and why was I unable to use my cashapp account and that I just less than XXXX minutes ago had added funds to my cashapp account. The agent said to give them a few minutes to review my account and would be right back. The agent came back and said the following to me ( I'll reach out directly to our specialty team so they can help you with this. What's a good email address to reach you at? ) I provided my email address to the agent. The agent stated their name as XXXX. The time was XXXX ( EST ). I waited until XXXX, and had received no email or nothing, so I reached back out by chat again. This time at XXXX, the chat support told me to contact by phone at ( XXXX ) XXXX and this time, the guy I spoke to, told me he could not see what was wrong with my account, but that he would send my information over to another department that would contact me to assist me with resolving and getting my account back to normal. I have contacted cashapp, every day since XX/XX/year>2024 and today is XX/XX/year>2024 and I have received no email and nor have my cashapp account being working. I still have no reason as to why I can not use my cashapp account and still can not withdraw the funds that are still sitting in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have formally requested documentation and validation of the original date of delinquency for four separate credit card accounts currently being reported on my credit report by Portfolio Recovery Associates. These accounts became delinquent in XXXX and XXXX. However, Portfolio Recovery Associates is using the date they purchased these accounts from the original creditor as the account opening date. They have refused to provide me with any verification of the original date of delinquency and have not updated their reporting accordingly. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive verification of any alleged debt, including proof of the original date the account became delinquent and the amount owed at that time. Portfolio Recovery Associates has falsified the information, thereby extending the reporting of these accounts beyond the 7-year limit from the original date of delinquency. 

I have attached documentation provided by Portfolio Recovery Associates that demonstrates this falsification of information, as well as a copy of an XXXX credit report.

Company response to consumer: Closed with explanation