vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. They reported this billing error XXXX times across the span of XXXX, XXXX. They reported XXXX, XXXX of XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX ; as well as XXXX of XXXX as late payments. I did not receive a statement 21 days before the late payment error. Within each of these statements, I was assessed a late charge and interest accrued, adding to approximate amount of {$47.00}.

Furthermore, IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. Each statement writes they will not report me as delinquent on my report. 
Both Equifax and XXXX are reporting negative information on my account on my behalf without my permission, which is a violation of I5 USC 1681b.This account should be listed as PAYS or PAID AS AGREED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
Improper use of my credit report This creditor has violated my rights under 15 usc 1681 section 602 states Ihave the rights to privacy 15 usc 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not fernish an account without my written instructions and i need all my late payments to be updated as pay 's as agreed

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 2024-07-14 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:
Improper use of my credit report This creditor has violated my rights under 15 usc 1681 section 602 states Ihave the rights to privacy 15 usc 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not fernish an account without my written instructions and i need all my late payments to be updated as pay 's as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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:
Improper use of my credit report This creditor has violated my rights under 15 usc 1681 section 602 states Ihave the rights to privacy 15 usc 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not fernish an account without my written instructions and i need all my late payments to be updated as pay 's as agreed

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 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: FL

Complaint narrative:
U.S. bank sends promotional checks out in the mail. I am in the military so I move around and apparently it went to my old address despite updating and requesting US bank to please stop sending me promotional materials since 2021. 

Unfortunately someone took this check and cashed it in, leading to a {$550.00} charge on my account in addition to almost a {$28.00} fee charge. 

The crazy part is US bank does this to all of their customers and its an open invitation to fraudulent activity as when I asked they said ANYONE can cash the check, it does not have to be under the account holders name! 

This is a horrible practice and I understand US bank is heavily incentivized to issue these blank checks out WITHOUT the card holders consent or authorization as they make money on the fees and interest they charge. 

This mean anyone with these checks that US bank sends out can cash it in to ANYONE. This is a perfect example on how to hurt consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-14 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: AR

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-07-14 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: AR

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
Up until XXXX, I was able to pay my credit card over the phone. The XXXX credit card service would never let me pay my credit card online. For some reason starting in XXXX when my wife called to pay the credit card they said that I had a XXXX balance and refused to let her make a payment. But did say something looked odd and that I needed to call. She informed them at that time that I didnt get off work until XXXX to XXXX and they said that the office would be closed at that time. Then in XXXX when we saw that they were wrong and there was a balance she tried to pay again, she was again refused the ability to pay the debt. She told them the amount, she told them that interest was being charged and late payments were being charged. She told them even though there was a XXXX balance she still wanted to pay what she saw online, she was refused the ability to pay online or over the phone. But again was told I had to call, but it had to be during daytime hours when Id be at work. She specifically asked if they were open on the weekends or in the evenings and was told no. She told them as soon as I had a day off, I would call and get this straightened out. She even told them the date that I had off and would call. So when I had a day off, I did just that, I called and paid the entire amount off. But instead of having my questions answered about why she wasnt able to make payments in XXXX and XXXX, even though shes been making payments for over a year, I was met with hostility and rudeness from the customer service rep at that time. No one informed me that they had sent my information to collections. I never receive any written statement saying that my information was going to be sent to collections. It wasnt until I looked on XXXX XXXX that I saw that my information had been sent to collections. My perfect credit now has a hit against it. All calls are recorded at the company and there should be multiple messages within my account regarding the issues that XXXX was having. On top of all of that the company went back-and-forth stating that they didnt see any messages on the account, that calls arent recorded, that theyre not sure if my information has been sent to collections, that I had to call a special department during the hours of XXXX to XXXX during the week while Im at work. I was told the collections department cant see customer service notes, and vice versa. I dont know why XXXX being punished for their lack of communication within their company. At this point I paid the full amount of what I owed, I even paid their interest and their late payments because I just wanted this to be gone. But now Im facing a hit on my credit which I desperately want off. I dont know what I need to send in or who I need to contact to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX, XXXX  XXXXSubject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Jefferson Capital Systems I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt.

Please provide the following information : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt.

4. A detailed accounting of how the amount you claim is owed was calculated.

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only.

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXSubject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Moneylion inc, I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt.

Please provide the following information : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt.

4. A detailed accounting of how the amount you claim is owed was calculated.

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only. 

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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:
The phone number I provided is my work phone number in which I asked Portfolio recovery to never call because we are not allowed to recieve phone calls at work., Last phone call occured on XX/XX/year> at XXXX, the number wthat I received a call from freguently is XXXX, Also I recieved a letter on XXXX, from a solicitor lawyer asking to represent me and defend against a civil suit from Portfolio recovery, I have not been served yet, but I will seek some legal help once I save up the money.This company also calls my personal phone after they call my office work phone. I was recently disciplined because of this last phone call from portfolio recovery associates. I have asked on XXXX separate occasions not to call my work, and that it is a against the Fair Debt Collection Practices Act ( FDCPA ). This harassment is becoming sickening and it is embarrissing me at work, and has now starting to make life financially unfeasible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
I recently disputed a charge off account on my Transunion credit report and have received no response. First of all, what transunion is reporting is not being reported by any other bureau so it should be deleted for that reason alone. Also, According to the IRS, A Charge off is a financial loss that may be deductible as a business expense, but is not considered income to the consumer. Therefore, the reporting of this charge off as income on my credit report is misleading and 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 2024-07-14 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 submitted multiple complaints to various companies and credit bureaus regarding the identity theft my wife and I have experienced. Our personal information was stolen from her vehicle, and we have already filed police reports documenting the incident. We are actively working to resolve this matter and prevent any further misuse of our identities. 
Furthermore this is my personal information all other personal info should updated and deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
XXXX XXXX American Express Credit Card made the fraud advertisment and did not pay {$400.00} flight credit as well as XXXX bonus miles as stated online. I opened XXXX and XXXX XXXX XXXX XXXX together, but the XXXXXXXX XXXX XXXX provided all of the benefits but American express did not provide any of the promotion credit but charged all of the fees. American Express can be sued for false advertisement and fraud activity to the new credit card holder. American express also lowered my XXXX XXXX using my credit reference. They hire XXXX company representatives and they do not speak English well and this type of credit card company should not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: OH

Complaint narrative:
I am writing to file a formal complaint against NTL RECOVERY AGENCY for multiple violations of consumer protection laws, including 12 CFR 1006.34b-5, 12 CFR 1006.34c4i, 12 CFR 1006.34d, and 15 USC 1681 S2 7a . 

On XX/XX/year>, I received communication from NTL RECOVERY AGENCY regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested validation of the debt in writing. However, NTL RECOVERY AGENCY failed to provide the required validation information within the prescribed timeframe, violating 12 CFR 1006.34b-5. 

Furthermore, NTL RECOVERY AGENCY engaged in deceptive practices by failing to disclose in subsequent communications that the debt was disputed, as required by 12 CFR 1006.34c4i. 

Moreover, NTL RECOVERY AGENCY persisted in using harassing and abusive tactics, including contacting me at unreasonable hours and using threatening language, in clear violation of 12 CFR 1006.34d. 

Additionally, NTL RECOVERY AGENCY obtained and utilized my consumer report information in an unauthorized manner, violating 15 USC 1681 S2 7a of the Fair Credit Reporting Act ( FCRA ). 

These actions by NTL RECOVERY AGENCY have caused undue stress and hardship. I request that the Consumer Financial Protection Bureau investigate these violations thoroughly and take appropriate enforcement actions against NTL RECOVERY AGENCY. Furthermore, I seek remedies for the damages incurred as a result of their unlawful actions. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to ensure that NTL RECOVERY AGENCY complies with all relevant consumer protection laws.

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 2024-07-14 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:
I recently disputed a charge off account on my XXXX credit report and have received no response. First of all, what XXXX  is reporting is not being reported by any other bureau so it should be deleted for that reason alone. Also, According to the IRS, A Charge off is a financial loss that may be deductible as a business expense, but is not considered income to the consumer. Therefore, the reporting of this charge off as income on my credit report is misleading and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax just decreased my credit score by XXXX points WITH NO CHANGE IN MY CREDIT ACCOUNTS as retaliation for filing a dispute about the XXXX XXXX XXXX XXXXXXXX accounts that they keep reporting as charged off when Equifax knows that they both were included in my Bankruptcy Discharge of XX/XX/XXXX. In XX/XX/XXXX credit report it shows that both accounts have a {$0.00} balance owing and were included in the bankruptcy. Then just last week, the credit report changed and they are once again reporting that the XXXX accounts ( ending in XXXX and XXXX ) are PAST DUE. They also added a remark : Consumer disputes this information '' when in fact the information is FALSE -- they are not charged off. They know it is false but they are punishing me for filing a dispute telling them to remove that comment and tell the truth -- the XXXX accounts were included in my bankruptcy filing.

Company response to consumer: Closed with non-monetary relief