vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV funing llc or Resurgent capital services Reference ID XXXX Balance {$590.00} Account holder XXXX XXXX I've already told them this was a XXXX XXXX account which was paid in full or XXXX Balance then account was arbitrarily just closed by XXXX. It has a balance of {$0.00} before the account was closed. this is Fraud it is fraud it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: WA

Complaint narrative:
Original CFPB complaint XXXX CFPB reports to me that the complaint filed by me on XX/XX/year> has been resolved. The matter is not resolved. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX was opened when I purchased kitchen appliances in XX/XX/year> from XXXX XXXX  XXXX. I made two separate payments to XXXX XXXX in XXXX and XX/XX/year> exceeding what was owed. 

XXXX XXXX  reported to the TRANSUNION credit bureau that I was delinquent in my payments to them. My credit rating plunged from XXXX to XXXX. 

CFPB intervened. XXXX XXXX  sent out a retraction saying I was not delinquent. My credit rating went back to XXXX. Then, XXXX XXXX  discovered a payment of {$990.00} I had paid to them that they claimed was never made. They reimbursed this {$990.00} to me last week. 

They have closed my XXXX XXXX account. 

Yesterday, XXXX XXXX XXXX XXXX said my credit score is now XXXX because XXXX XXXX  on XX/XX/year> reported a delinquent payment on my account, though the account was closed and I had a {$990.00} credit on the account. 

Thus, for the second time this year XXXX XXXX  has again ruined my credit rating after taking corrective action, closing my account, refunding me the {$990.00}. 

See the two attachments for details. 

CFPB needs to go on line and review the breadth and depth of consumer dissatisfaction with this outfit. They are criminals not just in money laundering, but in ruining customer 's credit rating and otherwise engaging in just plain lousy customer service. Their online services is not controlled by anyone. It is inaccurate and abusive. The wait time for customer service is anywhere from 40 minutes to 90 minutes. 

XXXX XXXX  and XXXX XXXX  XXXX appliances should pay me back my {$3400.00} I paid for my kitchen appliances. Between them they have twice ruined my credit. I have never been delinquent in my payments in my life. Where is the accountability?

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 2024-10-23 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: IL

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 2024-10-23 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: NC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: Block, Inc.
State: IN

Complaint narrative:
I went through the process of setting up an account with Square to transact business with different companies that I was to provide training for. After going through ALL the processes mentioned to open and set up an account with them, I was given the approval to go, then set up my bank account and it was approved. Once I had the email confirmation that I was all set, I sent the invoice to the business for which I performed the work and then waited the standard few days. Once the business submitted the payment, " Square INC '' magically said they needed more verification... SINCE I did not receive my money from square I authorized the sender to dispute the charges with XXXX and they did. Square then IMMEDIATELY and suspiciously deactivated my account so that I would not longer have access to it. after waiting the ridiculous 90 days for the dispute, Square ruled that I was to be paid the funds. Once the funds were " cleared '' they were to transfer the money into my registered bank account .... accept my account was deactivated and therefore no bank account o send the money to. I have been without my {$24000.00} payment for well over 120 days! This has absolutely crippled me and my ability to produce! I then made several dozen phone calls, emails and attempts to reach someone in customer service at Square .... one they validate my phone number, the automated system just hangs up on me, every single time without fail. They have responded to emails, essentially saying, sorry, your account was deactivated! BUT they have made NO ATTEMPT to send MY {$24000.00} to my bank, as verified by my Banks branch manager. Since they deactivated my account mysteriously in the middle of they dispute, I have no access to it in order to give bank account info. Also, if I was not " approved '' to transact funds, why did they receive the funds on my behalf?? Yet refuse to pay it to me. They still have not made any attempt to pay me, or send the money back to the company, who is paying the bill. This all Started back on XX/XX/year>, has now been over 4 months of them withholding access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIME VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my permission or authorization used my personal info to apply for goods, services or money and was successful in creating some accounts. All is currently being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: CA

Complaint narrative:
I did not notice my Venmo account has been frozen- mainly because I never received an email about it .my email is XXXX. I logged on after being paid and the communication is vague and I was told they would be 11 hours and not passed by being told ndifferent things. I have had that account for a while and things like this happen and they are in no rush to fix it Maybe due to outsourcing or The current state of the world, but its not right its been days and escalated but no one has even contacted me to say they are working on it - ( until I call )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I submitted a complaint on XX/XX/year>. complaint ID XXXX I have not received a resolution and my account balances are still displayed incorrectly. MOHELA said they will fix the problem in weeks and then it appears CFPB closed the complaint. this issue was never fixed. please reopen the complaint and contact mohela again to fix it. its been 5 weeks now from when i filed the CFPB complaint. whats the point of this complaint process if you just close it without fixing anything?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I leased a new car in XX/XX/XXXX for a 39-month term and returned it in XX/XX/XXXX. Throughout the lease, I made all my payments on time without any missed deadlines. Upon returning the car to the original dealership, I was pleased to hear that it was in excellent condition with low mileage. Everything was in order, and no additional steps were needed.

However, after the lease termination, I was surprised to discover that late payments were appearing on my credit report. This was particularly concerning as I had consistently made all my payments on time throughout the lease period. To resolve this issue, II reached out to the leasing company to contest the inaccuracies I encountered. An agent informed me that it was classified as a " return fee. '' I was unaware of this fee, and I have made all 39 payments promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Formal Complaint Against XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX regarding a serious issue that has significantly impacted my credit report and financial standing. 
In XXXX, XXXX, XXXX XXXX filed a collection for an outstanding power bill of {$130.00} associated with the property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bill was attributed to XXXX XXXX XXXX, a Realtor who was the listing agent for the property owner XXXX XXXX XXXX. XXXX XXXX sold the property on XX/XX/XXXX. Prior to the sale, a comprehensive title search conducted by XXXX XXXX estate title firm confirmed that she had no outstanding debts linked to the property. 

I was unaware that XXXX XXXX issued a bill for the investor 's property under my name after the closing until I reviewed my credit report in XX/XX/XXXX, nearly XXXX years after the property sale. To my astonishment, I discovered that XXXX XXXX had wrongfully associated this debt with my identity, resulting in a substantial drop in my credit scorefrom approximately XXXX to between XXXX and XXXX. XXXX XXXX never contacted me via phone or mail regarding this bill, which prevented me from addressing the issue in a timely manner. 

Upon contacting XXXX XXXX 's customer service on XX/XX/XXXX, I spoke with a representative named XXXX, who informed me that the bill had been sent to collections under my identity and advised me to contact the collection agency directly. This response is unsatisfactory and does not address the core issue : the misuse of my identity without my knowledge by XXXX XXXX. 

To mitigate this situation, since XXXX XXXX XXXX doesn't live in the US., I have paid the outstanding balance of {$130.00} on behalf of the property owner, to Bullcity Financial Solutions , the collection agency handling this matter. However, it is essential that my credit report be rectified to reflect the removal of this erroneous debt, as it was not my obligation even though I just paid it to restore my credit record. 
Furthermore, I intend to file a police report regarding the fraudulent use of my identity by XXXX XXXX for collection purposes. 
I kindly request your immediate attention to this matter to restore my credit score and rectify the inaccuracies caused by XXXX XXXX actions. I appreciate your prompt response to resolve this issue. 

Sincerely, XXXX XXXX Cell : XXXX Email : XXXX Home : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I made a cash payment of {$550.00} to my credit card account at the Guest Services desk of my local Target store. I was assured the payment would be credited to my account immediately. As it did not, I was forced to make an alternate payment using my XXXX credit card. It has now been over 90 days and the cash payment has still not been applied to my credit card account. I have attempted to resolve this issue with the store directly. Despite my request, I have not been provided a receipt or any explanation as to why the payment is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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