vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
On XXXX, XX/XX/year>, I was called by Freedom Debt Relief by an individual identifying himself as XXXX XXXX ( which I suspect very strongly was not his name ) claiming to represent card member services for XXXX  and XXXX. He led me to believe that someone out of state had applied for a loan in my name and that he was going to investigate this and began to confirm all of my accounts which he seemed to have in front of him. He had my Social Security number. He also gave me a case number. I became suspicious when he started asking for the XXXX codes of my cards. He tried to reassure me and was very persuasive and persistent, becoming indignant at times for my impugning his integrity. He told me that he would be blocking my accounts and that I would not be able to apply for any kind of large loan for XXXX to 8 months while they negotiated the remaining balances of my cards and that I would not have to repay these balances myself and would owe nothing. He also said he would be charging two of my cards with lawyers fees of {$9000.00} each but that this would also be forgiven. I told him that I did not understand the reason for this process and he tried to reassure me by saying that this would protect my identity by changing all of my financial information. He also said that I would need to close my bank accounts and change over to completely different banks saying it was absolutely necessary to protect my identity. I told him I did not want to do this. He then tried to pass me over to a company lawyer. I refused to speak to their lawyer and told him that I did not want him to charge my cards with any fees or anything. He then said, But this way you will be debt free. Dont you want to be debt free. It was only toward the end of the call that I was able to get him to identify the company properly. I ended the call but not before he said he would be calling back on Monday so the lawyer could talk to me. His callback number was given as XXXX. I researched the company and only then realized the true purpose of the company. I am a XXXX  XXXX  and it was hard for me to understand the agent because he had a thick accent. I have my finances under control and do not need debt relief, which is what they were trying to sign me up for. This was a blatant fraud attempt by very skillful actors posing as fraud protection. Afterwards I reported all of my cards as being compromised so that none could be accessed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I traded in my vehicle on XX/XX/scrub>XXXX XXXX XXXX and the dealer paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Account should have been closed that day ( only 26 days past due ). I should not be penalized for XXXX internal processing time, which extended to XX/XX/year>. This delay has resulted in an erroneous 60-day late payment reporting to my credit report. XXXX payment was on time as well, so how could I be 60 days late? 

Please refer to screen shot and also copy of check from dealer to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one is still charging {$25.00} late fees in XX/XX/year> after the rule change capping fees at {$8.00}. They charge late fees even when you pay on time in your own time zone, but are late in theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS

Complaint narrative:
This is in reference to a previous complaint XXXX XXXX XXXX  that I submitted. I was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they tried to say that I owed an early termination fee after I had already provided them with XXXX  and my last months rent. The matter was investigated and they in fact received my XXXX and an early termination letter. They closed the matter and said they would report to the credit agencies, THEY DID NOT. Now they are saying I owe XXXX XXXX after the matter was closed and I owed nothing. They continue to use predatory means to collect on a debt not owed and continue to illegally report debts that I dont owe on my credit. 

Ive been contacted and threatened repeatedly by a Genesis employee XXXX. Even after I provided him proof the matter was closed and I didnt owe, he continues to call and send emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation
State: GA

Complaint narrative:
I Initiated a dispute with debt collection agency, Account Resolution Cor., on XXXX via letter, requesting debt validation for medical collections account XXXX in the amount of {$1400.00}. 
XXXX XXXX Account Resolution Cor. responded with documentation that claimed their client provided them with documentation. The documentation the collections agency sent contained medical diagnosis, medical treatment, prescription information. They also sent an itemized statement from their customer that shows a XXXXXXXX XXXX  owed by me. Because Account Resolution Cor. did not have consent to have medical information, and may have violated HIPAA, I sent the collections agency a cease and desist letter on XXXX via certified mail, again requesting validation of debt that I owe to Account Resolution Cor. and requested they send an agreement that bears my signature agreeing to pay Account Resolution Cor and as this was a medical account, a copy of any HIPAA authorization. 
The collections agency received this cease and desist letter via certified mail on XXXXXXXX XXXX XXXX XXXX, Account Resolution Cor. has not responded with validation of debt or a HIPAA authorization, nor have they removed the collections account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: DISCOVER BANK
State: TX

Complaint narrative:
I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 
Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy. 
Credit Card Account Charged Off : DISCOVER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All requests submitted i am requesting an expedition to all credit reporting agencies for willfully neglecting of behavior on a consistent basis as I have been facing this dispute over many years They have failed to update disputes that were challenged in the they've had failed to report it and they have also brought back things that were already deleted back onto my report I will not honor the request exceeded 60 days I need this to be done expedited as my rightletter 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 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank locked me out of my account and refused to make immediate availability of funds under the REG CC expedited funds availability act upon my deposit of a check in the amount of {$10000.00} into my small business checking account. They placed an extended maximum hold and froze my account, locked me out of online and mobile Bank app, refused to give me any information, reason or any information on my account or access to my funds. 

This despite the issueing draw bank verification of check and funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: TX

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report, XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX XXXX XXXXXXXX

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 2024-06-09 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: TX

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report, XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, 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
Consumer complaint received 2024-06-09 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:
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  XXXX5 U.S.C 1681 Section 602 A. States i have 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.

15U.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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( 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. 


I ask many times for proof of signature of contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that this account belongs to me, However Experian refuse to send me any proof of contract with my Signature to verify it mine account.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts below to be verified with my signature or be removed immediately. 

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
Consumer complaint received 2024-06-09 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: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Do Not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they did not provide me with the original contract as requested I would like my credit report to be corrected in regards to these negative reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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 am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
This is regards to Chex Systems. Inc. There is a security freeze placed on my account because several years ago there was fraud against me. Well I forgot that freeze was there and I went to open a business checking account XX/XX/24. So I had to request a new pin in the mail. It never came. So I requested another one several weeks later. It still never came. I submitted a third request on XX/XX/24 and nothing. I finally called them on XX/XX/24 to see what was happening and again they said they would mail the pin as that is the only way to remove the freeze. Well I got a letter in the mail and its just a statement of account. There is no pin, no anything. All I want them to do is remove the freeze. This is insane.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All requests submitted i am requesting an expedition to all credit reporting agencies for willfully neglecting of behavior on a consistent basis as I have been facing this dispute over many years They have failed to update disputes that were challenged in the they've had failed to report it and they have also brought back things that were already deleted back onto my report I will not honor the request exceeded 60 days I need this to be done expedited as my rightletter 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 non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All requests submitted i am requesting an expedition to all credit reporting agencies for willfully neglecting of behavior on a consistent basis as I have been facing this dispute over many years They have failed to update disputes that were challenged in the they've had failed to report it and they have also brought back things that were already deleted back onto my report I will not honor the request exceeded 60 days I need this to be done expedited as my rightletter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I Do Not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as requested I would like my credit report to be corrected in regards to these negative reports

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 2024-06-09 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: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Do Not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as requested I would like my credit report to be corrected in regards to these negative reports

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 2024-06-09 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute : False, Inaccurate, & Unverified Collections on My Credit Report Good Evening, My credit report shows a collection from your agency. I was never notified of this collection. Furthermore, I do not believe this debt is accurate at all. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Sued me but when they came to my door they asked for me & did not advise my XXXX boyfriend who they were & what the paperwork was for & hid the paperwork behind their back & then just threw the paper at him & left

Company response to consumer: Closed with explanation