vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
I have been back and forth with Equifax for since XXXX. They only do a portion of what I request then don't respond/ignore my other requests. 

I have XXXX accounts reporting inaccurate and negative information that is causing me great harm. I need these accounts deleted and removed immediately as I have no business with them and they are absolutely due to Equifax 's negligence in keeping my consumer information private. 
These accounts are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I sent letter asking for removal of these accounts on XX/XX/XXXX. 
I have also tried to call multiple times and have encountered and endured long wait times with no resolution. This happened several times in XXXX. 

I have asked for my credit FILE as well as my credit report in the past. They have only sent my credit report. I would like to attain my credit file. 

Additionally, I can not access a downloadable version of my credit report from my equifax. When trying to go through free annual credit report, I can not get my credit report from equifax there either. This needs to be rectified immediately. 

I have reported Equifax to CFPB in XXXX. I will include in the attachments. Most of what I asked they continued to report fraudulent accounts as mine as I told them they were not mine. I asked for proof that they were mine. They ignored the question. 

I have sent an invoice for the violations they have tallied up against me. The number in XXXX was approximately XXXX violations and I invoiced for {$40000.00}. 

I have also submitted a claim online for the Equifax XXXX XXXX XXXX. I did that on XXXX. The claim number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company has called my family and I nonstop and continues even when told not to contact us anymore. They have called my extended family and have called my parents old places of employment. These communication tactics are so unethical and have gotten to be so annoying. In 2020 I fell into financial ruin due to the pandemic and lockdowns. I was forced to move out of my parent 's house due to a domestic XXXX incident and have lost my job more than once and have received unemployment as well as government assistance. I was then forced to pick and choose the bills to pay with the highest priority. If I could pay my debts I would but I can't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute and formally request the correction of inaccurate information on my credit report maintained by Transunion. This dispute concerns late payments reported on the following accounts listed below : XXXX XXXX | Account number : XXXX XXXX  XXXX | Account number : XXXX I contend that the reporting of these late payments not only misrepresents my credit history but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to the following sections of the United States Code : 1. **15 USC 1681 section 602 : ** This section underscores my right to privacy, emphasizing the obligation of consumer reporting agencies to ensure the accuracy, fairness, and privacy of the information they collect and disseminate. 
2. **15 USC 1681 section 604a section 2 : ** This section outlines the procedures for providing consumers with their rights, emphasizing the right to dispute inaccurate information on their credit reports. 
3. **15 USCS 1666b : ** This section establishes additional protections for consumers, stating that a consumer reporting agency can not furnish an account without the consumer 's written instructions, and 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file your complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: FL

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 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JTM Capital Management, LLC
State: AZ

Complaint narrative:
Collection called numerous times demanding money, required rights and nothing. Finally paid debt and nothing was reported to the back or credit union

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AAA Collections
State: SD

Complaint narrative:
I have a couple complaints with this agency, I have attempted numerous times to get them to seize contact,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: MS

Complaint narrative:
Can't really remember the dates but I do remember year range it was XXXX or XXXX I went in to republic finance to make my last payment of XXXX and the manager told me to keep that payment and she will give me more money me being new to the process agreed because I needed the XXXX for another bill she gave me a XXXX check because my first loan XXXX or XXXX dollars she said this is what she can give me so I took it and for some reason my balance jumped to XXXX when I finally saw my balance on my receipt from making my second payment I asked them about it and she said I signed up for extra add ons on the loan that I did not do so I told them I can't pay that just take my car they said we don't want the car it's not worth it so I stopped paying they charged it off but on my credit report they are still charging me late fees from XXXX till this date and I want it to stop because I feel like they scammed me into extra add ons that I did not ask for I disputed this issue multiple times nothing happens about them still charging me if the account been charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
You said do not include Social Security Number! Capital One has had my account for well over 10 years. I have always paid my charges in full, have an outstanding credit score and multiple Capital One accounts. I was sent a letter they were instructed by the government to verify certain information. I did everything except the TIN and or Social Security number -- which I told them I would not over the phone!! Since there were no changes since they first issued the card I thought that just telling that there were no changes would suffice. The person on the phone was very rude and said if I did not give them my SS # they would close my account -- which they have or as they said they have restricted my account -- I can not use it. 
If I select a file to attach it will have the account number etc, which your instructions are not to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Items on my credit file are inaccurate and has not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies nor can they place any item on my credit file. No validated proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND BY NET. 

To Include : XXXX XXXX Transunion Accounts in disputes : XXXX XXXXCollection Account-No Signed Contract with Company. 
XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXXThey state they sold account and can no longer collect nor place on my credit file. 
XXXXThey State they sold account and can no longer collect nor place on credit file. 
XXXX XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. 

There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. 

This is harming my credit and has been detrimental to my credit file.

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 2024-01-20 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: OK

Complaint narrative:
Items on my credit file are inaccurate and has not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies nor can they place any item on my credit file. No validated proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND BY NET. 

To Include : Experian XXXX XXXX Accounts in disputes : XXXX XXXX XXXX Signed Contract with Company. 
XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXXThey state they sold account and can no longer collect nor place on my credit file. 
XXXXThey State they sold account and can no longer collect nor place on credit file. 
XXXX XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. 

There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. 

This is harming my credit and has been detrimental to my credit file.

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 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. 

TO INCLUDE : XXXX XXXX TRANSUNION ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXX in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.

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 2024-01-20 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: OK

Complaint narrative:
Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. 

TO INCLUDE : EXPERIAN XXXX XXXX ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXXPaid in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.

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 2024-01-20 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Subject : Complaint Regarding Unjust Charges on Closed Credit Card - Case # XXXX Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with my credit card, and I am seeking your assistance in resolving the matter. 

My case number is XXXX, and the situation revolves around an unauthorized charge on a credit card that I closed in XX/XX/XXXX. The charge in question was added to my closed account in XX/XX/XXXX for a subscription that I had already canceled. I possess written confirmation from the merchant, dated XX/XX/XXXX, affirming the cancellation and assuring me that no further charges would occur. 

Despite providing this evidence and requesting the reopening of my dispute case, I have been informed by Barclay Bank that they are unwilling to reverse the charges. This denial is perplexing and frustrating, as it contradicts both the evidence I possess and the assurances made by the merchant. 

I am reaching out to the Consumer Financial Protection Bureau in the hope that you can investigate this matter and help facilitate a fair resolution. It is disheartening to find myself in this situation, and I believe that the unauthorized charges on my closed credit card must be rectified promptly. 

I appreciate your attention to this matter and look forward to a timely and just resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
Loan interest was more than advertised and it took longer to pay off loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NY

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 2024-01-20 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: LA

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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app is becoming way too problematic. Servers are down often and Im inconvenienced. Now Im waiting for a pending charge to fall off that Ive cleared by the merchant, at cash apps request. Cash app just holds on to funds at this point and I need my money- no matter how little. If the merchant has released the funds, cash app needs to as well.

Company response to consumer: Closed with explanation