vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
Sunrise credit services has placed a fraudulent collections account on my credit report as of XX/XX/2022, in the amount of {$330.00}. I have never consented to this account being open nor was I aware of this account being opened fraudulently with my information I have contacted this company more than once and they give me the run around concerning the account. I have a police report filed and stamped concerning the account and all other proof that I am not responsible for the account that is currently in collections.

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 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX opened on XX/XX/2018 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-10 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: PA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX opened on XX/XX/2018 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Dear PayPal Team, I am writing to appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that this limitation was placed in error, and I would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policy. I have always complied with the terms and conditions set forth by PayPal, and I have used my account responsibly. Therefore, I was surprised and deeply concerned when I received the notification of my account 's permanent limitation. 

I strongly believe that this decision was made based on a mistake or misunderstanding. I have not engaged in any suspicious or fraudulent activities, nor have I violated any PayPal policies. I have always been transparent and honest in my transactions and have always followed PayPal 's rules. 

I kindly request that you take another look at my account and re-evaluate the evidence you used to reach the decision to limit my account. I hope that upon review, you will find that my account does not warrant a permanent limitation, and I can continue to use my PayPal account as before. 

I understand that the safety and security of PayPal 's platform is of utmost importance, and I appreciate your efforts to prevent fraudulent activities. However, I firmly believe that in my case, there has been a misunderstanding, and I am eager to cooperate with you to resolve this issue. 

Thank you for taking the time to consider my appeal. I am confident that a fair and thorough review will lead to a positive outcome, and I can continue to use PayPal services as before. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: MD

Complaint narrative:
The name of the company is KIKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX they scammed me of my hard earned money and also reported bad payments on my credit they destroyed my credit and I cant seem to talk to no one, there is no office I know its a scam they need to be investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
XXXX : I opened a 24 months 0 % interest account was XXXX in XX/XX/2022 for a XXXX present I was buying. Two payments were paid directly XXXX from my bank for XXXX and XXXX and then suddenly in XXXX they stopped making the auto withdrawals. Nothing was changed with my banking and nothing was changed in the portal with them for payment. This was a glitch through their system. I was never informed that the payments were late or that the payments were stopped from withdrawal standpoint, and noticed on the account was already 60 days past due that there was an issue on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this complaint to TransUnion Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted

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 2023-05-10 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/23 LVNV FUNDING LLC wrote back to me by sending a final bill/previous billing statements, NEVER provided any electronic signatures, nor have they provided the original purchase agreement. This debt in fact is ingalid and needs to be immediately removed from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank is not paying or denying payment requests through ACH to XXXX XXXX Bank which has been ongoing since XX/XX/2022. Capital One Bank does not process payment requests during the specified payment timeframes and seem to wait until the last minute to pay items which cause payments to get denied resulting in negative consequences like closed credit card accounts or fees. Capital One bank told XXXX XXXX Bank too close my credit card account even though I pay the credit card thru ACH using the same account since XX/XX/2022 which receives direct deposits from the same employer for 3 years. Capital One Bank had placed my account on hold in XX/XX/2022 for no stated reason and without warning causing me to run out of gas on the way to work which resulted in me having beg a stranger at the gas station for {$2.00} to make it to the bank. Next having to call and beg Capital One customer service, while in the banks driveway at XXXX, to contact corporate employees to release some of my funds for use in XX/XX/2022. Capital One Bank as recent as XX/XX/2022 told XXXX XXXX bank to close my credit card account after denying payment and a XXXX female manager refused to let me talk to anyone to resolve my issue and the in-branch tellers told me that my only option was to call the XXXX number and talk to customer service. Capital One Bank manager said that the call was recorded and there should be an official record of the call which happened in XX/XX/2022. I suspect this manager was the one who sent me a letter threatening to close my account if I called back to complain and possibly the one who told XXXX XXXX Bank to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX opened XX/XX/2016 Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX opened XX/XX/2016 Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account

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 2023-05-10 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX I made a payment of {$490.00} to Bridgecrest auto for my car loan which I was advised by a Bridgecrest rep was the amount due to avoid a late reporting. The rep said it was for {$490.00} today. On today I received an alert stating that Bridgecrest reported my payment 30 days late. On XXXX it states that I am {$50.00} late which is inaccurate. I called Bridgecrest and asked if they could please fix the 30 days late. I had never asked for anything to be removed or updated on my report, I was told no. The 30 day delinquent has dropped my credit score significantly on one of my reports by as much as XXXX  points. I would just like to get some help with getting my reports updated to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im writing to apply to be part of the customers that are filling claims that were unresolved in past, and Wells f owe money to. I had a mortgage in XXXX  it was foreclosed, we were not given the proper refinance loan.

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 2023-05-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : Notice of Dispute Pursuant to the Fair Credit Reporting Act Dear Sir or Madam, I am writing to dispute certain inaccurate, unverifiable, and invalidated items in my credit report that violate the Fair Credit Reporting Act ( FCRA ). I demand that you remove these items from my credit report immediately in compliance with the FCRA 's requirements. 

Your agency has failed to provide me with any original documentation or method of verification for the inaccurate items listed below, in violation of Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' As a result of your failure to comply with the FCRA, I intend to pursue litigation to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 of the FCRA. Please note that this letter, along with the inaccurate items sent to you previously, will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this notice of dispute. 

I demand that you immediately delete the following inaccurate, unverifiable, and invalidated items from my credit report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX B XXXX, CA XXXX Unauthorized inquiry by XXXX  XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX DC XXXX XX/XX/XXXX. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS ''. 

Please note that your continued refusal to comply with the FCRA may result in litigation against your agency. I reserve all rights and remedies available to me under the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently pulled my credit report and noticed several accounts that have damaging information that isn't correct on top of my personal information not being completely accurate. Experian has not responded to my request and I do not know where their " investigation stands but they are in violation of the following FCRA laws for sure : Section 607 ( b ) - Duty to Correct and Reinvestigate Inaccurate Information : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of the information they report. If a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must investigate and correct any inaccuracies. Section 611 ( a ) - Procedure in Case of Disputed Accuracy : This section requires the credit reporting agency to notify the consumer within five days of receiving a dispute that it has received the dispute. The agency must then investigate the dispute and either correct the information or determine that the information is accurate. Section 616 - Civil Liability for Willful Noncompliance : This section provides that any person who willfully fails to comply with any requirement imposed by the FCRA may be liable to the consumer for actual damages, punitive damages, and attorney 's fees. I expect this information to be updated as outlined in my prior requests to Experian. To be clear THE ONLY NAME I GIVE EXPERIAN TO REPORT IS XXXX XXXX XXXX, THE ONLY ADDRESS YOU NOW HAVE MY PERMISSION TO REPORT IS XXXX XXXX XXXX XXXX XXXX XXXX NJ. I DO NOT GIVE YOU PERMISSION TO REPORT ANY OTHER VARIATION OF MY NAME OR ADDRESS. 
There are accounts on my report from companies named XXXX, XXXX XXXX XXXX, and XXXX. Experian should consider this official notice these companies were sent a Cease and desist and have not honored my request. XXXX XXXX is still reporting these negative accounts and is now also responsible for defaming my character as I can't get approved for a mortgage. I demand these accounts be removed NOW. I also need to make it clear I am not interested in a 6 month long fight, I will attach my letters previously sent to your company about the negative things I DID NOT GIVE EXPERIAN PERMISSION TO REPORT WITHOUT MY CONSENT. If we can't resolve this I will explore my options legally.

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 2023-05-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX You are in direct violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and Capital One Quicksilver Card ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove any late payments and update the above listed accounts immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation