vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( XXXX ), XXXX XXXX : Account No. is XXXX ( {$7500.00} ), XXXXXXXX XXXX  : Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX Account No. XXXX ( {$2000.00} ) has violated my rights. 

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/XXXX ) has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX I wrote to LVNV funding requesting debt validation on the alleged debt, that is reporting on my credit file. They responded with a bill, not validation of said debt. Upon looking over said bill, it stated that a payment was made on this said debt, which is untrue. I have never made a payment on said debt, because I was not aware of said debt until XX/XX/XXXX so how could I make a payment on a debt that I didn't know existed until XX/XX/XXXX. They continue to report inaccurate and untrue information on my consumer reports, which is hindering me from buying a home and auto. They did not honor my request in validating this debt. A bill is not a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
Please remove this fraudulent account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I asked Equifax to reinvestigate the bankruptcy they are reporting .However, they stated everything was verified and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information. I have also attached the letter from Equifax stating they verified the bankruptcy with the court ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp.
State: IL

Complaint narrative:
I called XXXX XXXX at XXXX XXXX and was told that World Omni Group are responsible for the car being disabled. The church paid for the to be returned to me all I know is this caused me to have a XXXX breakdown XXXX XXXX XXXX due to a lack of assistance getting this matter resolved. The car note is due yet I don't have the card and stuff is reporting to my credit report as well. Then, this resulted in my son being put into Child Protective Services. Who is going to help me get my car back it is probably stolen or auctioned off by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I am writing to address a pressing issue concerning my PayPal account. Since XXXX XXXX XXXX a substantial amount of funds has been held in a reserve account without any clear justification or resolution, and despite numerous attempts to seek assistance, I have yet to receive any meaningful support. 

I would like to clarify that, as of XXXX XXXX I am no longer in business, and my PayPal account has been inactive since then. The ongoing retention of my funds is causing undue hardship and goes against the principles of fairness and transparency that I would expect from a service provider like PayPal. 

I have reached out to PayPal customer support multiple times over the past year, detailing my situation and requesting assistance in releasing the held funds. Regrettably, these efforts have not yielded any results or provided me with the necessary information on why my funds are being held for such an extended period. 

This practice is not only unfair but also in violation of the principles outlined in the PayPal user agreement. As per the agreement, funds may be held for up to 180 days to cover potential customer disputes during the holding period. However, this protracted holding of funds, especially when I am no longer conducting business, is both unjust and not in alignment with the terms we agreed upon. 

In light of the circumstances, I am formally requesting the immediate release of the funds held in my reserve account. Additionally, I kindly request the closure of my PayPal account, as I am no longer engaged in any business activities that would necessitate its continuation. 

I believe that resolving this matter promptly is in the best interest of all parties involved. If there are specific reasons for the extended hold on my funds, I request a transparent explanation to understand and address any outstanding issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I took out a loan from NetCredit with the expectation that it would be a financial solution to help cover unforeseen expenses. However, the exorbitant interest rates associated with the loan have made my financial situation untenable and have caused me significant distress. 

As a XXXX, I work diligently to make a positive impact on the lives of my XXXX and I rely on a stable financial foundation to support my XXXX  endeavors. Regrettably, the terms of the loan from NetCredit have placed an undue burden on my financial well-being, making it nearly impossible for me to meet my obligations. 

The interest rates imposed by NetCredit are incredibly high, and despite my best efforts, I find myself drowning in debt. The monthly payments are unreasonably burdensome, leaving me struggling to cover basic living expenses. The financial stress and XXXX caused by NetCredit 's loan terms have had a detrimental impact on my personal and professional life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: AR

Complaint narrative:
I made my monthly payment on the XXXX of XXXX which I always pay on the XXXX or XXXX. I had just spoken to someone at the company to say my payment is made and now I get a XXXX point decrease in my credit because they are claiming XXXX XXXX delinquent. I havent been delinquent on my car since XXXX or 2023. They done offer deferments or payment assistance. When I was delinquent they always harassed me but never helped me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: AR

Complaint narrative:
I made my monthly payment on the XXXX of XXXX which I always pay on the XXXX or XXXX. I had just spoken to someone at the company to say my payment is made and now I get a XXXX point decrease in my credit because they are claiming XXXX XXXX delinquent. I havent been delinquent on my car since XXXX or 2023. They done offer deferments or payment assistance. When I was delinquent they always harassed me but never helped me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: UT

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. Rectifying these issues promptly is crucial to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : Inaccuracies exist in the reporting of late payments on my credit report. 

2.Credit Utilization : Reporting of credit utilization on my credit report contains inaccuracies. 

3. Personal Information : The reporting of personal information, such as names, addresses, phone numbers, and employers, is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with Experian, XXXX, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

10. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ), and no employers. 

11. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in Experian, XXXX, and XXXX systems concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My Capital One Debit Mastercard was used for fraud on XX/XX/XXXX and charged {$4000.00}. It was used because my cellular telephone ( XXXX ) was stolen by a thief and the saved card information was stolen and used to make unauthorized purchases with XXXX XXXX. I promptly reported the fraud to Capital One and was promised a {$4000.00} provisional credit by XX/XX/XXXX. The Claim # XXXX. However, I did not receive the provisional credit and need it for work!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates , LLC Disputes Department XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number XXXX Dear Portfolio Recovery Associates , LLC, I am writing in response to a notice I received regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( 15 USC 1692 ) and the Fair Credit Reporting Act ( 15 USC 1681 ), I formally dispute the validity of this debt.

I request the following information, as mandated by these laws : Proof of my legal obligation to pay this debt. 
A complete payment history and calculation of the balance. 
The original signed loan agreement or credit card application. 
Confirmation that the debt 's statute of limitations has not expired. 
Additionally, pursuant to the FDCPA ( 15 USC 1692c ( c ) ) and Regulation F ( 12 CFR Part 1006 ), I request that all telephone communication cease and that future correspondence be conducted in writing. 

Furthermore, under the FCRA, I insist that this debt not be reported to credit bureaus until the dispute is resolved. 

Failure to provide the requested information within 30 days should result in the removal of this debt from my credit report and cessation of collection attempts. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TN

Complaint narrative:
XXXX XXXX XXXX  Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXXXXXX XXXX Reported Balance of {$76.00} Balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reported Balance {$450.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reporting Balance {$180.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ) 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 2024-01-05 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: PA

Complaint narrative:
Just got off the phone with XXXX XXXX and XXXX XXXX, I was never notified that XXXX XXXX has bought my debt from XXXX XXXX and now my charged off account is in collections, I have the right to privacy and the right to accurate and proper credit reporting on my consumer report I have sent a letter to the company rescinding all agreements I have ever made allowing them to share any of my personal information with anyone and especially never gave them the ok to share my personal information such as name, address, social security with XXXX, XXXX, equifax, nor anyone else, by law they need to notify me in writing stating they will be sharing my private, personal information with anyone! They have never notified me of the above in writing, also the amount owed to XXXXXXXX XXXX is incorrect and inaccurate information and I have the right to proper reporting! In which it is inaccurate reporting and needs to be deleted and removed immediately! It goes against the fair credit reporting act, XXXX XXXX is showing that I have a charge off with them, although I no longer have a charge off with XXXX XXXX they have had sold my debt to XXXX XXXX collection in which I was never ever notified in writing of such change and that they are in possession of my account, non the less the information on my credit report is 100 % inaccurate and false! The account is now in collections with XXXX XXXX it is illegal to report a charge off when it is has become a collection account! Please have XXXX XXXX immediately delete this off my credit report! Have the entire account deleted due to false and inaccurate reporting!!!! the total that I had owed is {$880.00}! I have the right to an accurate proper credit report! It is inaccurate and incorrect in which it goes against the FCRA, bank book keeping must be 100 % accurate at all times down to the XXXX! Have this account deleted immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I went to Bank of America to deposit a check and they gave me documentation stating funds will be available XX/XX/2024 at XXXX. Its now the XXXX and I went to the bank to get the money and they told me their holding on to the check for their enjoyment it would seem.

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