vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was looking through my consumer report and noticed that an account with the account number referenced above was furnished by your company on my consumer reports. This account listed the following company as the XXXX XXXX XXXX XXXX XXXXXXXX This company is not the creditor, and I am putting you on notice that I disagree with this. Pursuant to 15 USC 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Keep in mind that providing me with statements of credit does not prove that the company that provided the statements is the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
There was a credit check from Bank of America. I did not authorize this. It came on my credit report and emails. This isnt me. Someone used my information.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, OR INQUIRIES, IN DISPUTE AT ALL. See Police Report, for all accounts, addresses, and inquiries, below, need to be BLOCKED AND DELETED IMMEDIATELY, Effective this Tuesday, the XXXX of XX/XX/XXXX, at XXXX XXXX est, XXXX, as a result of being a victim of Identity Theft, losing my Birth Certificate, Social Security Card, and Drivers license, in the XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX. Peace and blessing! 

EQUIFAX : Addresses : XXXX XXXX XXXX  XXXX, GA XXXX, XX/XX/XXXX Accounts : XXXX XXXX XXXX : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX  XXXX  : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota motor credit 2018 XXXX XXXX XXXX was paid and never a collection account Account # XXXX I recently reviewed my credit profile and noticed inaccuracies. According to the Fair Credit Reporting Act, Section611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE ALL information that is inaccurate, or which can not be verified this account was paid off by insurance and gap coverage and was never a collection account and needs to be updated as. 

I request you provide proof of this account being late. This account was paid in full and was paid off. 

Please provide a detailed description on all procedures used in your process to determine complete accuracy of information provided The following derogatory accounts are untrue and incorrect. I am demanding that this account be updated to be paid as agreed never late Once you have finished your investigation, send me a update credit report to the address stated above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX has recently retained TrueAccord to act as a debt collector to collect on a debt not owed by me to the alleged original creditor XXXXXXXX XXXX XXXX XXXX expressly identified as an account number ending in XXXX. 

TrueAccord sent an UNDATED notice to respond by XX/XX/2022. TrueAccord has failed to validate the debt and also provide verification of debt as required by law. 

I hereby further dispute the account ending in XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX XXXX there is no balance amount owed of {$1800.00} and any updated balance amount. XXXX XXXXXXXX XXXX XXXX Is not my original or current creditor. There is no balance owed by me to XXXXXXXX XXXX XXXX XXXX. 

At no time does XXXX XXXX XXXX XXXX  appear on my credit reports for any such account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a {$10000.00} payment to my contractor for work in my home by Paypal. 
The money was immediately deducted from my account. 
As of today, XXXX XXXX  is still unable to retrieve or collect the money. 
Paypal told him to cancel his business account, and open a personal account. 
I am unable to cancel the payment, or recall the money. 

Transaction Transaction ID : XXXX I spoke to their customer service representative, and even escalated to a supervisor, but they will not return my money, and the recipient still can not access the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed 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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
On or about XX/XX/2022 an invoice was sent from the company I was a vendor for in the amount of {$1000.00} to my XXXX  XXXX XXXX account. I used the service provided by the Square Company. They chose to deactivate my account after what their policy viewed as improper usage of their platform. I was sent an email on XX/XX/XXXX conveying to me that they would hold my money for 90 days after which they would send me an email notifying me that they were releasing the funds to my bank account. The scheduled date of release was XX/XX/2022. I called On the XXXX and lodged a formal inquiry as to where was my money and I was told that I would receive an email which I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a small side business of XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX. I do 3-4 transaction per year with of avg $ XXXX per transaction. I got a wire from a XXXX XXXX XXXX on XX/XX/XXXX for first time. I dont know the sender, or have any other info about transaction. The amount came and then it was reversed back on XX/XX/XXXX. I called the bank to know what this was, and they replied " user claimed it back by saying it was sent in error ''. Since info came from my bank, I didnt see any reason to do anything else. Per my bank, it was user error so no action needed. On Monday XX/XX/XXXX, my bank closed my business and personnel checking account. They didnt give me any reason except to say " Bank doest see this as good business for them, and they have the right to close my account. '' I opened first complaint in early XXXX through CPFB portal. That complaint was close by CPFB based on BOA standard response that they reserve right to close any account. I am opening new complaint today ( XX/XX/XXXX ) due to lingering account closure. The original transaction was for $ XXXX, and BOA put a hold for $ XXXX. Today ( XX/XX/XXXX ), BOA placed an additional $ XXXX of debit on my account making a total debit of $ XXXX on hold. This whole episode is causing a lot of stress for me. I would like bank to resolve the issue, and close my account and release my pending balance.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Persolve, LLC - Legal - Series 2
State: IL

Complaint narrative:
The company is in major violation of the following laws : The Fair Debt Practices Act 15 USC 1692g 15 USC 1692e ( 8 ) 15 USC 1681 The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) The Truth in Lending Act 15 USC 1602 ( g )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BOEING EMPLOYEES' CREDIT UNION
State: NV

Complaint narrative:
My XXXX XXXX XXXX that Ive had for XXXX year, has irreparable transmission issues. XXXX has issued recalls on transmission issues with this vehicle. I was not contacted by XXXX notifying me of the recalls. As a result, my vehicle is now inoperable and XXXX is telling me they will not purchase it back from me or even allow a trade in. XXXX dealership is saying they will fix the transmission but I will be without a vehicle for XXXX months. They are not offering a complimentary vehicle or assisting with rental fees. I had to purchase a new car and now have a second car payment. I spoke with the lender for the XXXX XXXX and they are saying they cant do anything because XXXX is offering to repair the vehicle. 
I would like for XXXX to take the vehicle back and pay the remaining balance to the lender. Because XXXX did not notify me of the issues with the vehicle before it became inoperable, they are responsible for the manufactures malfunction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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:
XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Experian consumer report reflects disclosure of nonpublic information as early as XX/XX/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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bliksum, LLC
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies. According to the Fair Credit Reporting Act, Section611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE ALL information that is inaccurate, or which can not be verified. 

I request you provide proof of this account being late. This account was paid in full and was paid off. 

Please provide a detailed description on all procedures used in your process to determine complete accuracy of information provided The following derogatory accounts are untrue and incorrect. I am demanding that this account be updated to be paid as agreed never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am victim of identity theft, XXXX XXXX and XXXX XXXX has fraudulent accounts on my credit report that needs to be remove 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am victim of identity theft, XXXX XXXX and XXXX XXXX  has fraudulent accounts on my credit report that needs to be remove 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I notice XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXXXXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I notice XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXXXXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC has recently retained XXXX to act as a debt collector to collect on a debt not owed by me to the alleged original creditor XXXXXXXX XXXX XXXX XXXX expressly identified as an account number ending in XXXX. 

XXXX sent an UNDATED notice to respond by XX/XX/2022. XXXX has failed to validate the debt and also provide verification of debt as required by law. 

I hereby further dispute the account ending in XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. and LVNV Funding LLC there is no balance amount owed of {$1800.00} and any updated balance amount. XXXX XXXX XXXX XXXX Is not my original or current creditor. There is no balance owed by me to XXXX XXXXXXXX XXXX XXXX 

At no time does XXXXXXXX XXXX XXXX XXXX. appear on my credit reports for any such account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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