vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account is closed without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 2024-03-06 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 appreciate the effort made to remove certain items from my file believed to stem from alleged fraudulent activity. However, there remain items that require removal. Pursuant to FCRA Section 605, you are mandated to expunge any items listed on an FTC Report, numbered # XXXX. I have previously provided these items in both the report and the preceding letter, and I am resubmitting them here alongside the new FTC Report, numbered # XXXX. I have apprised my legal representative of my intentions, and they are prepared to take appropriate action should you fail to comply willfully. Below are the remaining items for removal, categorized by bureau : 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 XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that you have four business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to E-OSCAR or any automated verification methods.

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 2024-03-06 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 appreciate the effort made to remove certain items from my file believed to stem from alleged fraudulent activity. However, there remain items that require removal. Pursuant to FCRA Section 605, you are mandated to expunge any items listed on an FTC Report, numbered # XXXX. I have previously provided these items in both the report and the preceding letter, and I am resubmitting them here alongside the new FTC Report, numbered # XXXX. I have apprised my legal representative of my intentions, and they are prepared to take appropriate action should you fail to comply willfully. Below are the remaining items for removal, categorized by bureau : 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 XXXXEquifax 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 Please be advised that you have four business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to E-OSCAR or any automated verification methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This company is informing all major credit bureaus that i owe numerous accounts with XXXX and XXXX. They have not presented a wet ink signature contract with them and this debt they claim i have is not valid. This company needs to remove this wrong information or i will pursue legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: MI

Complaint narrative:
XXXX XXXX XXXX  is reporting Inaccurate last payment dates. XXXX is reporting my last payment date as XXXX XXXX. Transunion has no last payment date at all. XXXX has no last payment date. Without identical identifying dates of my last payment made, there is no way to correctly determine the fall off date. This is a violation and prohibited by law.

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 2024-03-06 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: MI

Complaint narrative:
XXXX XXXX XXXX  is reporting Inaccurate last payment dates. XXXX is reporting my last payment date as XXXX XXXX. XXXX has no last payment date at all. Equifax has no last payment date. Without identical identifying dates of my last payment made, there is no way to correctly determine the fall off date. This is a violation and prohibited by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I bought a truck on XX/XX/XXXX and the payments are $ XXXX with an 18.24 % interest rate. The lender has not reported anything to the credit agencies. I'm trying to rebuild credit and want to refinance but they have not reported to any agencies. When I called on XX/XX/XXXX they told me they would do an investigation as to why it wasn't and send me a letter explaining and to expect to see it on my credit report within XX/XX/XXXX days. I called again on XX/XX/XXXX and got the same response, no action has been taken. This should have been reported as soon as the loan was opened but 9 months later it still hasn't been.

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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
The California Business Bureau , Inc. contacted me on XXXX saying I owed {$15000.00} with interest for a debt. 

On XX/XX/year>, I submitted a request for proof of burden via their website as well as sent a certified letter by mail on XX/XX/year>, in which they received XX/XX/year>. To which they never responded. 

I than further received additional collections letters on XX/XX/XXXX and on XX/XX/XXXX but this time showing the debt was now {$15000.00}. Still no confirmation or information on proof that this debt was actually mine. Violating the terms of the terms of the Fair Debt Collection Practices Act by continuing to collect alleged debt with no proof of burden that was requested. 

Additionally myself and my spouse received two phones calls on XX/XX/year>, both in direct violation of the The Fair Debt Collection Practices Act, in which I have phone records that the collections agency did not identify themselves. 

On XX/XX/year> I sent a final communications letter to them notifying them that I would be filing a complaint for their unlawful behavior and to cease all further communications with me in the matter of collecting the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Marauder Corporation
State: FL

Complaint narrative:
The debt has been paid to another agency who assumed the debt. Nation wide credit agency should be removed from my credit report

Company response to consumer: Untimely response
Consumer complaint received 2024-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
A little over a month ago I went to XXXX XXXX to lease a vehicle and they lease me a car full of problems and issues. So I tried numerous times bringing the car into service and they advise me that nothing is wrong with the car whenever I try to get a car scan on the car. A few days later after driving from work the car notify me that the car was XXXX  and begin to see XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the car. I contact the manager at the dealership and they did nothing to assist me during this matter. So I called the loan company which is Stellantis Financial Services , Inc and exampled to them my situation and they advise me that will me send the dealership a cancellation form to close the contact. Now I'm receiving an invoice to pay for a car I longer have or own. The dealership has the car and everything. Stellantis Financial Services has showed me they only care about making money, after notifying them weeks ago about my situation with XXXX XXXX. They provided me with false information about closing my leasing contact with XXXX XXXX. The previous complaint has more details about what happened at XXXX XXXX. But both XXXX XXXX and Stellantis Finanacial Services are participating in bad business.

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 2024-03-06 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: GA

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate. The discover account was removed off my credit file and it was reinserted back on my credit report without any notices. That's also a violation. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-03-06 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: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Healthcare Finance Direct LLC.

Complaint narrative:
I ordered aligners from XXXX XXXX XXXX ( Creditor ) with Health Care Finance Direct as the payment processor, the first set of aligners came and they cut my inner cheek, i made a complain and they sent a new set of aligners but those were wrong too. I had a video conference call and sent multiple pictures, then they sent another set and those were worst than the first. So i booked an in person scan, i was told aligners will be shipped but that day XXXX XXXX XXXX  sized global operations and that was the end of that. 

Now I am told I will be sent to collections even though i have sent email correspondence of this account to XXXX processor Healthcare Finance Direct. I am told to keep making payments for aligners i never received to a company that has filed for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: B9, Inc.
State: CA

Complaint narrative:
Excessive fees are being charged sometimes in addition to the fee already being charged with the original transaction. In XXXX or XXXX  days I was charged over XXXX in external wallet fees when I already pay XXXX monthly for a " premium account ''. If paying to be a premium member doesn't at least cover these fees then XXXX XXXX XXXX XXXX XXXX XXXX 

The agreement states no fees will be charged for using a digital wallet. 

It also states that a fee will be charged when adding money to an external wallet yet they charge a fee for all transactions with XXXX XXXX XXXXXXXX and other merchants they have decided are external wallets buy not digital wallets even though digital wallets are all external wallets and are not charged fees to use Arent digital wallets still external wallets!? 

And the merchants they have decided to consider external.wallets not only " wallet '' money on ones behalf but they are also used for other transactions as well. They are used to send people money for personal reasons and to make purchases thru businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
# XXXX On XX/XX/2024 I requested a proof of notice, which they did not provide. They are in violation of my rights. In addition, please provide certified paperwork showing you have any rights to collection the debt. 

Also, please provide an assignment debt for the creditor. I'm looking for any bills, but only what I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Viking Client Services
State: IN

Complaint narrative:
I received a letter from Viking Client Services ( debt collector ) on XXXX XXXX regarding a balance due on creditor XXXX XXXX XXXX XXXX : {$270.00}, with no explanation to charges. This is the 1st letter I have received or contact regarding this amount due from XXXX XXXX XXXX  Viking Client Services Debt collector. 

On XXXXXXXX XXXX XXXX I rented a vehicle via XXXX from XXXX XXXX. I paid for my rental at the time of service with my credit card on XXXX XXXX XXXX  as noticed by the receipt and invoice of the amount listed : {$370.00}. See attached documents. 

This letter is fraudulent and their collection practices are in violation of the Fair Debt Collections Practices Act under Sec. 806 and 807 of the act, including corporate fraud, consumer fraud and management fraud. 

XXXX XXXX XXXX XXXX and Viking Client Services are behaving in fraudulent management activity to defraud customers and in violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-06 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: WV

Complaint narrative:
I sent 2 dispute letters to equifax due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Several of the listed accounts appear to be incorrect, and it's making me feel uneasy.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief