vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC XXXX Balance Owed : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equafax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX-Balance {$0.00} XXXX XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have tried to contact this company on several occasions and still have not got anywhere at all. I have paid the vehicle in full and the car was never repossessed and it is reporting as such. I have sent in several letters and proof showing the loan has been paid in full and have not received a call or response from the company or the credit bureaus regarding this matter. I have sent correspondence on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: AL

Complaint narrative:
There is an address on my credit report that is not mine, I never lived at that address. 
The address is XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has added an unwanted lock or security freeze of some kind to my report without my knowledge or consent. I have reached out to Experian several times over the last few months attempting to unlock my credit report and they have offered me little to no solution each time claiming that my report is not locked and they have already resolved the issue. This is not the case because I can not access my report to apply for new credit. I have been trying to apply for an apartment since XXXX but can not get approved because my report is locked!

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 2021-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have applied for Load Forbearance on my Navient Private loan multiple times. I have not received a response any of the times that I have submitted the School Closure Form. I just submitted the form again, but you can not view the submission in your online account and I have not received an email that Navient will process the request which has happened in the past. You just don't receive a response. I previously went to XXXX XXXX XXXX in XXXX, which has closed. I had a loan from them in the total amount of {$9400.00}. I currently have a XXXX % interest rate and have a remaining unpaid principal of {$4400.00}. I continue to pay monthly ; however, this is one thing holding me back from future goals. I don't believe I should have to pay a {$9400.00} balance which I have mostly paid, but won't fully pay off until XX/XX/2025 for a school that has closed and I was unable to obtain a degree from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: IL

Complaint narrative:
I XXXX XXXX XXXX would like to submit a complaint against XXXX Credit Reporting Agency and Equifax. After several attempts to solve the bankruptcies on my own with XXXX and Equifax. I am left with no choice to submit a complaint against you. 
I have proven that they are reporting bankruptcies that should not be on my report specifically bankruptcies case number XXXX, XXXX, and XXXX. 
I am submitting as I have with Equifax and XXXX Credit Reporting the following attachments proof of reason why the bankruptcies are being reported illegally and wrong. I have obtained documents from XXXX and United States Bankruptcy Court. I submitted these documents and XXXX and Equifax have still not removed or given a valid reason why they are reporting these bankruptcies cases on my report. Please help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: IN

Complaint narrative:
I Have sent over and also call this company about this matter for about 2 months. I Have accounts as well as an address that does not belong to me but they continue to call it " verified '' in which they have it gave me proper proof that what their saying is " verified ' is not actually really accurate. Having Unverifiable accounts on my credit report is against the law and they still continue to not follow the law in my case. I have file an FTC report and sent it to them with also other documents showing them what I stated is correct to proof what I am saying is correct. They still yet to give me a real investigation on my case. Again those accounts and address do not belong to me and want them situation handle the correct way. I am tired of being treated this way and I have a right to an accurate 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 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: OH

Complaint narrative:
- CashApp is the name of the service.

- They offer " Boosts '' which are basically deals on their account that take a percentage off a certain merchant.

- The Boost/deal I applied to my account says in the terms ( see attachment ) that it can be used every day. 
- The deal mentions XXXX 's XXXX online purchases using the Cash App card get 10 % off up to {$20.00} off and the deal can be done for multiple days, every day. 
- I did this deal on Monday and it went through okay and cash app credited me back 10 % of my purchase. 
- On Tuesday, I went to do this deal again because it says it can be done every day. 
- Before I did the deal again on Tuesday, I messaged their chat support PRIOR to doing the deal to ask if " Every day '' is considered 1 time per calendar day -or- once every 24 hours. 
- The chat agent told me to " just read the terms '' and nothing else. So I read the terms and they said, " Every day. '' - I tried to use the deal for the 10 % off on XXXX. I spent {$200.00} and expected to get {$20.00} back ( 10 % off ), but I was denied that 10 % off, yet the transaction went through at full price. I messaged the CashApp customer service through their chat feature, but they told me they would not honor the 10 % off or credit my account. 
- If a doctor tells me to take a pill every day, I will take a pill every day. If a doctor tells me to take a pill every 12 hours, I will take it every 12 hours. So how does Cash App believe their terms are true?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TX

Complaint narrative:
Hello There is a lot of incorrect information showing on my credit report and after investigating I was able to confirm that I had the right to send my complaints via letter to the Credit Bureaus, well I must say im not happy with the way this has been handle since I always try to get in touch and I either get ignore or adviced that there will be an investigation open and no result its provided, its been months since i've been waiting for an answer.

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 2021-11-10 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: TX

Complaint narrative:
Hello There is a lot of incorrect information showing on my credit report and after investigating I was able to confirm that I had the right to send my complaints via letter to the Credit Bureaus, well I must say im not happy with the way this has been handle since I always try to get in touch and I either get ignore or adviced that there will be an investigation open and no result its provided, its been months since i've been waiting for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
My wife received a phone call regarding medical bills and my daughter 's private XXXX XXXX XXXX that she had discharged in her BK They asked for me and then said I owe the debt for 2009 They did have a judgment against me for 7 years Now They just sent a certified letter saying I owe $ XXXX and have to be in court on the XXXX of XXXX. I would assume that the statute of limitation is up but I'm not a lawyer

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 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent Capital One a request to validate the debt that is showing as owed on my credit report. I have had this credit card for 16 years and paid faithfully without knowing that this account is false and misleading. I asked this agency to send to me validation that I owe this debt to them. They did respond with verification and a written notice stated the year the account was opened, plus a packet of statements dating a year back. This information is insufficient and does not prove that I lawfully owe this agency any amount of money. I did not receive a contract that was signed by two parties and statements as opposed to invoices. This is not verifiable proof a contract and a promise to pay. Truth is, according to Title 15 US Code 1692 ( g ), I am the original creditor and each time I signed a slip for a credit purchase, this item became a note instrument that can be used to represent money or as money. I don't owe the company a dime because each time the card was used, money was created for the banks to balance their accounts and for Capital One to capitalize off of receiving an extra payment as well as interest. This is a SCAM!! These false and misleading actions taken by this company has damaged my reputation, caused me to lose money in higher interest rates and also cause employment and housing issues. I am a single mom with children who works hard to keep my credit secure and this issue has caused much stress and grief. I have recently interviewed therapists in order to choose someone to assist me with the stress this has caused as it has damaged my mental health. These debt collectors are purchasing debts that have already been written off by their clients for pennies on the dollar and then coming after innocent citizens to wreak havoc on our lives and cause emotional and mental strain. The nature of this debt is fraudulent as I don't owe this company a damn dime. I have never had an agreement to pay them anything. There is no contract between us on file and they have been insufficient in providing the validation that I asked for because IT IS NOT REAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently i received a copy of my Experian credit report and noticed multiple unauthorized opened accounts from XXXX added to my credit file, i did not give permission for Experian or any one else to run my credit, i did not apply for loans or any credit cards with XXXX. Experian gave XXXX credit card company access to my credit file without my permission. 

there are 2 XXXX accounts that are reporting balances and late payments in my Experian credit file that do not belong to me and when ever i talk to Experian they blame XXXX and when ever i talk to XXXX the blame Experian saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity bank has the same account on my report twice. This new account just showed up on my report with the same dates, the same amounts, and the same company. This is hurting my credit report tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
I.Q. International Data is a debt collector for XXXX XXXX XXXX XXXX XXXX which has increased alleged the amount owed with six percent daily interest for years without any contractual agreement with my signature from XXXX to XXXX. In violation of FDCPA 1692e ( 2 ), where the collector claims an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ). I would like these practices to end not only for me but for all hard working Americans that have dealt with this type unethical profiteering behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX IS DUPLICATING THE FOLLOWING ACCOUNTS XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are listed multiple times thus keeping my fico/score from increasing. XXXX is not removing all the duplicates which indicates a deliberate hold to keep a person of XXXX like myself from getting a financial break from a lender. This is discriminatory and I have ask for CFBS to help. THIS PRACTICE MUST STOP. XXXX IS GETTNG PAID TO KEEP THE DUPLICATES ON THE NEGATIVE SCARE.

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 2021-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

TOYOTA MOTOR CREDIT account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: World Acceptance Corporation
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on WORLD FIN XXXX Balance Owed : {$550.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I opened a credit card back on XX/XX/2021 to pay for the purchase. All I know is for the first 6months there is no interest fee and after the six months, any unpaid balance will be charged at a normal rate. But for some reason, on XX/XX/2021 there were two transactions stating " promotional to revolving '' fee of {$240.00} and {$46.00}, charging my credit card out of nowhere which unknow and I never known authorize it.

I'm on the phone for 3-4 hours, plus going down to the Floor & Dcor store but no one couldn't explain to me how or why I got this charge that I never authorize. The representative of Comenity bank very rude and unprofessional, they keep transferring me to different department back and forth but still no resolve. All I got the answer from them is " I don't know, you have to talk to that department '' then when I got to that department, I got transfer back to where I was before. Also, the representative wouldn't allow me to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
I bank with the Dime Savings Bank of XXXX. I am missing more than {$60000.00} in direct deposit funds. I work with the XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2020, I attempted to direct deposit {$15000.00} into my Cash App account. This money was sent from my account with XXXX. However, without notifying me, my Cash App deposit account had been closed. Therefore, the funds were rejected. I expected to see my money return to my XXXX account but it never did. This money has been missing ever since. 

I talked with Cash Support, and they were able to provide me with a PDF that shows that XXXX did indeed attempt to deposit the funds. I've attached this document. 

Some months ago, I actually filed another complaint against XXXX, thinking that they were at fault. XXXX confirmed that they do not have the funds. I've attached XXXX 's response. 

I shared this information with Cash Support, but they would not help me. Additionally I checked the unclaimed funds service but did not find anything.

Company response to consumer: Closed with explanation