vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello on XX/XX/2021 I mailed out a dispute letter to dispute incorrect information such as my old address, incorrect name, and phone number off my credit report. 

I included the following information in each letter including a copy of social security and a copy of my drivers license with my current address. 

On XX/XX/XXXX I received a letter back from Transunion stating that I had not provided my drivers license neither a copy of my social security. Which is false. I provided each documentation they stated they didn't receive. 

XXXX  also sent me a letter stating that I had not applied for credit recently, that I have not used credit in the past 10 years or have I lived in the u.s. and do not have a government issued social security card.

This report is false because I have credit history, I was born in the u.s. and I provided a copy of my social security card and drivers license. 

Also XXXX  credit bureau I have not heard anything from them in a month. 

I have provided all the documentation required and I stated that they remove my current reported billing address, phone number, any names that are incorrect. 

It has been well over 30 days.

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 2021-06-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello on XX/XX/2021 I mailed out a dispute letter to dispute incorrect information such as my old address, incorrect name, and phone number off my credit report. 

I included the following information in each letter including a copy of social security and a copy of my drivers license with my current address. 

On XX/XX/XXXX I received a letter back from XXXX  stating that I had not provided my drivers license neither a copy of my social security. Which is false. I provided each documentation they stated they didn't receive. 

Equifax also sent me a letter stating that I had not applied for credit recently, that I have not used credit in the past 10 years or have I lived in the u.s. and do not have a government issued social security card.

This report is false because I have credit history, I was born in the u.s. and I provided a copy of my social security card and drivers license. 

Also XXXX  credit bureau I have not heard anything from them in a month. 

I have provided all the documentation required and I stated that they remove my current reported billing address, phone number, any names that are incorrect. 

It has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas Transunion, XXXX and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report 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 2021-06-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, Equifax and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: NJ

Complaint narrative:
this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, XXXX  and Experian. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report 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 2021-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
In XXXX 2021, I already tried several calls with this company, Toyota Financial, and I told them they have the wrong number! They confirmed that they do have the wrong number and that they will not call me again. However, they still tried to call me every single day, and I reported to CFPB in the same month ( COMPLAINT ID XXXX ). Everything went well and they ensure that this won't happen again. 
Recently, I am again receiving several calls from them again, with a different number, ( XXXX ) XXXX, I really have no idea what I should do to avoid this from happening again and again. They have the wrong number on their file!!!! I do not have any vehicles and I froze all my SSN so no one should be able to use my SSN to apply for loans .... 
They have to remove my number from their file and STOP CALLING!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal limits my account for 180 days, which leads me to stop all my work, because my capital has been held, and I request paypal to let me continue my work, or send me my money to start something in my country to be able to live. 

This is my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am the consumer, according to 15 USC 1692, I do not owe any debt because I am the consumer and Im not obligated to pay. I am an administer agent according to 15 USC 1602, Im an administer agent and I do not owe that. Social security card belongs to the social security administration, I have to give it back at their request so therefore, Im just an administer agent, I do not own it and I do not own any debt attached to it. 18 USC 8 will provide the information to you. I do not own the debt.

Youre talking to the consumer and they can not validate any debts. To validate a debt is an assess in action. I am the consumer and I am the only one, who can validate a debt and the debt is not mine, it is not true.

Ive done disputes in the past. According to 15 USC 1681 a-e, it states you have to do interviews with my family, associates and neighbors. You did not do that and did not provide that. You did not provide any information of anyone who was associated with the consumer, which is myself. 

Under the law, my federal consumer rights, I am instructing you right now according to 15 USC 1681 b-a-2 to remove all closed and collection accounts according to my written instructions. Consumer reporting is voluntary and I did not give you permission to furnish any of my information. I will be pursuing you next for violating my rights. 

In order to verify, you had to investigate. If a FBI agent investigates, they do not look at a piece of paper and say this guy is going to jail, they have to interview people, witnesses. In order for a consumer to have a witness, they would have to witness the signing of the contract, or contact the neighbors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I paid this debt off over a year ago and was promised that it would be taken off my credit report and yet as I go through all of my credit reports, I notice this sill reads as Resolving & Deragtory. Essentially showing that I've yet to take care of this account, but it was settled over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC
State: MI

Complaint narrative:
It started when the credit was submitted. I received a letter that a charged amount of {$10000.00} had been placed and please cal to confirm work was done. This financing was through a home repair company XXXX XXXX. I called to informed them that my contract for work was for {$10000.00}. They told me that I would have to deal with XXXX XXXX directly they could not help me. All point gave me a {$100.00} gift card that was promised to me 3 times in the duration of the work. 

XXXX XXXX sent a statement monthly without indicating past payments, interest, or reflecting any activity on the account. I called them, and they said that they didn't have to provide that information I should keep track of my own records. After paying above minimum payments for month, and noticing higher interest than I expected I decided to pay this loan a different way. 

I took the statement to my credit union and used a person loan from there to pay in full. The statement shows a balance of {$9000.00}, that is what my bank sent. Now I receive yet another statement that I still owe {$110.00}. I don't understand this billing process, and feel they hide information that is supposed to be provided to borrows. When you call they are very rude, can not explain to you activity or finance fees. 

According to their statements I paid about {$500.00} interest on this loan over a 5 month period on a loan with 6.99 % interest. I do not understand this math. I will never borrow from them again. I hope that someone looks into this and holds this company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I pay my bills by checks monthly when I receive the statements in the mail. In XXXX when I got my statement for this credit card it said I had missed XXXX payment so I called and paid over the phone and got it straightened out. I never received the XXXX statement in the mail, I guess the post office is overworked right now like everyone else. I realize its my responsibility to make sure my bills are paid every month and I have been a loyal customer with them for many years with NO late payments. When I called them and told them what happened he dropped the late fee but I later discovered my credit limit had dropped by {$6000.00}! And that affected my credit score. 
In XXXX they again tried to say I missed a payment when I called to see why it hadnt posted yet and they said they had not received it. I told them I had mailed the check on time, but to avoid any trouble I paid it over the phone and cancelled the check. The very next day I got a text that they had received the check. I can not control the US Post Office or the lack of employees to do the jobs at the credit card company. Its just a little weird that this is the ONLY CREDIT CARD I own that is having these issues. 
What is happening?? 
I have tolerated the lower credit score and credit limit but to increase my interest rate from 13 % to 29.84 %?? 
I dont think so.

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 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good morning, I made a reservation at the XXXX XXXX XXXX XXXX XXXX ( details below ) and used my capital one card ending in XXXX for the deposit of {XXXX}. The deposit was to return to my account in 3-5 business days and never occurred. I called the hotel multiple times and said I had to contact my bank. I then filled a claim with capital one which was later denied due to documentation the hotel had provided. 


XXXX XXXX XXXX XXXX XX/XX/XXXX Check in XX/XX/XXXX, XXXX XXXX  Check out XX/XX/XXXX Duration of stay 1 night Address XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX Phone number XXXX XXXX Confirmation number XXXX There is no valid documentation, I paid for my reservation online, no room service at the time due to covid-19 and they never filled a claim for damages made in the room. 

My bank statement shows three transactions posted : XX/XX/XXXX XXXX XXXX XXXX Purchase - {XXXX} XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Provisional Credit + {XXXX} XX/XX/XXXX Icon Dispute Credit Reversal - XXXX XXXX XXXX Dispute Credit Reversal - {XXXX} Today on XX/XX/21 I called my bank again and they informed me once a case was closed there was nothing else to be done. 

I called they hotel and they wouldn't tell me when a manager would be available and transferred me to customer care.

Company response to consumer: Closed with explanation