vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding significant violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit reports. I have discovered discrepancies and violations concerning a collection account listed on my credit reports with XXXX and XXXX. The account details are as follows : * Account Number : N/A * Original Creditor : XXXX XXXX XXXX XXXX XXXX )/ XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX Original Balance : {$XXXX} * Current Balance : {$XXXX} * Date Opened : XX/XX/year> * Account Status : Collection ( XXXX )/ Derogatory ( XXXXn ) XXXX Disputed by Consumer : Yes, with remarks indicating that the consumer disputes the account information on both XXXX and XXXX. 
I am bringing to your attention the following discrepancies and FCRA violations : * The original creditor is listed differently on XXXX and TransUnion, which leads to confusion and inaccurate reporting. 
* The account status is reported differently on XXXX and TransUnion, potentially misrepresenting my creditworthiness. 
* XXXX reports that the last status update was in XX/XX/year>, indicating a lack of recent reporting activity, while TransUnion does not provide this information. 
* Both XXXX and XXXX state that the account information is disputed by the consumer, yet the disputes have not been resolved within the required timeframe, as mandated by the FCRA. 
I demand that the Consumer Financial Protection Bureau investigate these discrepancies and violations promptly. Furthermore, I demand the immediate removal of the collection account from all major credit bureaus if the inaccuracies can not be verified. This action is necessary to rectify the violations and ensure the accuracy of my credit reports. 
Thank you for your attention to this matter. I expect a swift resolution and the correction of my credit reports in accordance with the FCRA.

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 2024-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
I opened account with XXXX XXXX XXXX in XXXX of XXXX. The company went bankrupt and effectively stopped providing the services outlined within the contract that both the company and myself agreed to. Therefore, I feel that I should have my account and debt owed canceled by the company XXXX XXXX XXXX. 

I have received numerous phone calls and written mail requests, as well as unauthorized withdrawals from my account by the company HealthCare Finance Direct, LLC since the closure of the company. 

My personal bank, XXXX Bank requested to stop payment in XX/XX/XXXX and the company continues to request payment and threat to send my debt into collections. I contacted Healthcare Finance Direct to request a stop of my payments until more information is worked out regarding the closure of smile direct club, however this claim was denied without any further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am writing to dispute the validity of the collection account associated with XXXX XXXX  on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in PA XXXX If the statute of limitations has expired, the debt should no longer be legally collectible. 3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.

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 2024-03-30 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: MRS BPO, LLC
State: TX

Complaint narrative:
I recently checked my credit report and noticed an inaccuracy. This report is reporting as mine and has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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 XXXX 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 2024-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am making a complaint for two different fees. About a week or so ago I went on the cash app app to see if I could qualify for a glitter card. Once I submitted the information to try to get it I thought they would take the {$5.00} out of my cash app account once money was deposited into my account. At that time I didnt realize I had another card linked to my cash app account. Cash app took the funds from my external card that was linked which I didnt want it taken out from that card. I immediately called them to cancel the shipment of the glitter card so I could get a refund back on my linked card. Cash app told me they canceled the shipment of the glitter card but wouldnt refund my {$5.00}. This was the main reason I canceled so I could get that money back into my account. They refused to refind the money as I mentioned but canceled the card from being shipped. So I was charged for nothing and they kept my money! The second thing is cash app has a borrow limit on my account where I am able to borrow up to {$25.00} from them and pay them back with different options. I was suppose to pay them back yesterday but paid them a day late. I was sent a notification from them saying if I didnt repay it by XX/XX/2024 I would be charged a extra {$5.00}. Today is XX/XX/2024. I was sent a deposit today and cash app immediately took that {$1.00} from my account! I contacted them by phone and the man told me he would help. He placed me in hold saying he couldnt help. The only way to speak to cash app about this was by email and they would contact me that way. I asked him why did he even place me on hold when I had already explained the issue to him and he knew they only contacted through email about my concern?! It was a waste of time placing me on hold acting as if he was going to help. Also why would they need to contact me by email if I was already on the phone with them!?! Cash app is well known for taking your money or allowing others to take your money and not helping retrieve it back especially if the merchant is a scammer! A while back I paid a merchant {$200.00} and the merchant told me they didnt receive my mo ey I sent them but it showed on cash app it was sent to them. Cash app did NOTHING about giving my money back at that time. Cash app needs to be removed and held accountable for how they are doing their customers! They false advertise and say you dont owe something until a certain date but still take your money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Not getting confirmation regarding closure of this HELOC. Do they need any more information, did they get what was needed? I sent them the closing amount that was quoted to me by them via wire transfer from my bank on XX/XX/ for {$7700.00} no response, I sent them the HELOC authorization agreement via their email, no response. I asked them if they received everything or needed anything else, no response. Just an acknowledgement and estimated closing would be nice. I came here to see if this would help them move on this. It's a small amount but this house is all I have and I feel like they are dragging their feet to find a way to not complete the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CITIBANK, N.A.
State: RI

Complaint narrative:
I received a letter in XXXX stating that my mortgage company had a data breach. The mortgage company is XXXX XXXX. My mortgage company is a sister company of that one. On XX/XX/XXXX, I received a voice message from XXXX at Citibank involving my Citi Bank Thank You Preferred card ending in XXXX. We cancelled out that card./ The new credit card is ending in XXXX. The reference number was XXXX. She asked us if we authorized a balance transfer on that card. We said no we did not authorize any charges on that card. We received a statement with a credit on it for {$9900.00}. We received a letter on XX/XX/year>, from card member services saying that we were responsible and they closed their depute and we are responsible for a balance transfer in the amount of {$5500.00}. The balance transfer says that it was electronically transferred into a valid account or name of authorized user at XXXX Mastercard and visa. Any future requests for reembursement should be directed to XXXX Mastercard and visa. We did not make this transaction and do not have that money. We have been going through identity theft with a number of our cards. 

XXXX XXXX has our account in the fraud unit due to charges we did not make. They also changed the answer to the security question about mother 's maiden name. We would like to open up a dispute again because this was not us, and we do not know what XXXX account this was done to.

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 2024-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Clarity Debt Resolution, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. 

# of Debts Enrolled : 7 Total Debt Enrolled : {$10000.00} Program Commitments : Monthly Draft Amount : {$250.00} First Draft Date : XX/XX/year> Estimated # of Payments : XXXX Email : support@usclarity.com usclarity.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding significant violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit reports. I have discovered discrepancies and violations concerning a collection account listed on my credit reports with XXXX and XXXX. The account details are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed by Consumer : Yes, with remarks indicating that the consumer disputes the account information on both XXXX and XXXX. 
I am bringing to your attention the following discrepancies and FCRA violations : * The original creditor is listed differently on XXXX and XXXX, which leads to confusion and inaccurate reporting. 
* The account status is reported differently on XXXX and XXXX, potentially misrepresenting my creditworthiness. 
* XXXX reports that the last status update was in XX/XX/year>, indicating a lack of recent reporting activity, while XXXX does not provide this information. 
* Both XXXX and XXXX state that the account information is disputed by the consumer, yet the disputes have not been resolved within the required timeframe, as mandated by the FCRA. 
I demand that the Consumer Financial Protection Bureau investigate these discrepancies and violations promptly. Furthermore, I demand the immediate removal of the collection account from all major credit bureaus if the inaccuracies can not be verified. This action is necessary to rectify the violations and ensure the accuracy of my credit reports. 
Thank you for your attention to this matter. I expect a swift resolution and the correction of my credit reports in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding significant violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit reports. I have discovered discrepancies and violations concerning a collection account listed on my credit reports with Experian and XXXX. The account details are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian )/ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian )XXXX XXXX XXXX XXXX XXXX XXXX Disputed by Consumer : Yes, with remarks indicating that the consumer disputes the account information on both Experian and XXXX. 
I am bringing to your attention the following discrepancies and FCRA violations : * The original creditor is listed differently on Experian and XXXX, which leads to confusion and inaccurate reporting. 
* The account status is reported differently on Experian and XXXX, potentially misrepresenting my creditworthiness. 
* Experian reports that the last status update was in XX/XX/2018, indicating a lack of recent reporting activity, while XXXX does not provide this information. 
* Both Experian and XXXX state that the account information is disputed by the consumer, yet the disputes have not been resolved within the required timeframe, as mandated by the FCRA. 
I demand that the Consumer Financial Protection Bureau investigate these discrepancies and violations promptly. Furthermore, I demand the immediate removal of the collection account from all major credit bureaus if the inaccuracies can not be verified. This action is necessary to rectify the violations and ensure the accuracy of my credit reports. 
Thank you for your attention to this matter. I expect a swift resolution and the correction of my credit reports in accordance with the FCRA.

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 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/2021 i entered in an auto loan contract with the seller. pursuant to title 15 usc 1611 the seller willfully and knowingly faild to provide/disclose information required under the provisions of title 15 usc 1601. pursuant to title 15 usc 1605, a finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. the seller took cash. Pursuant to title 15 usc 1605 ( a ) ( c ) the transaction included finance charge and the finance charges includes insurance which protects the creditor against the obligors loss and and/or property, the seller did not include my insurance in my finance charge. ive also made a complaint with the OCCC complaint XXXX XXXX CFPB link to upload not working. OCCC complaint has all supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: CO

Complaint narrative:
I applied for financing for dental aligners with XXXX XXXX XXXX. 

The aligners I received were defective, and could not be used to straighten my teeth. Some are cracked, some are bent, and the remaining aligners do not fit my teeth. 

I was told Health Finance Direct was the company processing my payments. The contract stated all financing was provided by XXXX XXXX XXXX. 

XXXX XXXX XXXX filed for bankruptcy shortly after I received my aligners, and I am still being charged to them. 

The company phone line is close, the website has been taken down, but I have been threatened to be sent to collections if I do not continue my payments to HFD for the defective product I received. 

In the original terms provided by XXXX XXXX XXXX, I was guaranteed supervision from certified medical professionals throughout my treatment, which I did not receive, and I was guaranteed retainers at the end of my treatment, which I did not receive and is not possible given my treatment could not be completed. 

Their lifetime guarantee on straight teeth is also now impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have 2 Jefferson Capitol Systems on my credit report that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation