vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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: LA

Complaint narrative:
I never authorize anyone to use my personal information to agree with any terms your company may allegedly have.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal was account was just limited permanently for no reason That was not fair to me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-06-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TN

Complaint narrative:
The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the date last reported is inaccurate, the comments are inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # 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 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX are reporting to my XXXX & XXXX credit report as collection debt. This debt is not mines, & I do not know where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX ; ( XXXX ), XXXX XXXX ; ( XXXX ), XXXX XXXX XXXX ; ( 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

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 2022-06-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ; ( XXXX ), XXXX XXXX XXXX ; ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: AL

Complaint narrative:
XXXX, XXXX, and Equifax are all illegally reporting my information without my consent. Violating FCRA laws it is under my understanding that all debts that have been paid in full can not be reported as late nor can any debt be reported without my consent that is a violation of the law and considered identity theft. according to 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , XXXX XXXX notes, XXXX XXXX bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/1948, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TN

Complaint narrative:
The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the date last reported is inaccurate, the comments are inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.

Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # 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 explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX is charging me {$2200.00} for services that I did not use. I moved from the apartment in XX/XX/2020 due to military orders. I turned off all my services including electric and cable. XXXX never turned off the services and was still charging me from XX/XX/2020 until XX/XX/2020. I tried to dispute it with the company and they company they sold the debt to. I showed them my military orders and the lease that I signed with the end date of when I left the apartment. Im being violated according to the SCRA. I should not be penalized because of military orders. Under the dispute they said they disagree with the dates. They also sent me the printed bills of them charging me which doesnt align with the time I was no longer living in the apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TN

Complaint narrative:
The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the account detail type is inaccurate, high credit is inaccurate, the credit limit is inaccurate, date last reported is inaccurate, last date active is inaccurate, and the date od last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # 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 2022-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XX/XX/XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance XXXX {$0.00} ; XX/XX/XXXX XXXX Balance : {$5400.00} ; XX/XX/XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$11000.00}

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 2022-06-10 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: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XX/XX/22 RE. We already disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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

Complaint narrative:
On XXXX of XX/XX/2022, My paypal account got shut down without any warning whatsoever..just out of the blues I received an email informing me that my PayPal account has been permanently closed. They said the reason for closing the account is because I had continually filed cases that do not align with paypaos 's buyer protection policy. This was clearly a mistake because my account has not filed any single case since ir started operating so I was quite shocked. 
Paypal email address is " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX Capital one took 2 payments out of my bank account. I stopped payment on one and had it returned. In XXXX, I made my payment like normal. Assuming it came out. I went to make my XXXX payment and it said they did not receive my payment that it was returned. I pulled my bank statement up. There was no draft attempted. I called Capital One they said my bank rejected it. When I called my bank bak they said the reason they rejected it was because I stopped payment in XXXX when they double drafted. Both situations were of no fault of my own. I submitted paperwork and they would not remove the late payments. In additional on one credit report it states 60 days late in XXXX and XXXX and on the other 30 days. All should be pays as agreed and not late.This was Capital One and the banks fault not mine and I have the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TN

Complaint narrative:
The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the account detail type is inaccurate, high credit is inaccurate, the credit limit is inaccurate, date last reported is inaccurate, last date active is inaccurate, and the date od last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # 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 explanation
Consumer complaint received 2022-06-10 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: TN

Complaint narrative:
The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the account detail type is inaccurate, high credit is inaccurate, the credit limit is inaccurate, date last reported is inaccurate, last date active is inaccurate, and the date od last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: UT

Complaint narrative:
Showing late on my Equifax credit report as of XX/XX/22 please see image named XXXX. This is incorrect. Tried filing a dispute on the Equifax website, but it doesn't let me. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TN

Complaint narrative:
The credit bureaus stated my account ( XXXX  ( XXXX XXXX ) Account # XXXX ) was properly investigated but how is that possible if the date opened is inaccurate, the date last reported is inaccurate, the last date active is inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # 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 2022-06-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XX/XX/XXXXt account : XX/XX/XXXX( XXXX ), XXXX XXXX XXXX ( 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

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 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to notify you that I was the victim of identity theft. I studied up on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 

XXXX OF XXXX XXXX XXXX : {$13000.00} ; XXXX CARD XXXX Balance : {$7400.00} ; XXXX XX/XX/XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$83000.00} ; XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX) XXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-10 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: CA

Complaint narrative:
My complaint is regarding Venmo which I belive it owned by PayPal. I opened an account with Venmo like a week ago. After I did couple of transactions with the App, I received an email from Venmo saying my account was frozen. I was asked to upload my ID for verification which I did. That was like 5 days ago, and still my account is frozen and I didn't receive any emails from them. I have a balance in my Venmo account right now of about {$520.00} which I am not able to withdraw and I am not able to use the account. 
I already contacted the csutomer support regarding this issue, I received message from support that they received my message and the ID and telling me that I should hear from them back soon. However, I didn't hear anything yet, and I need the money in the account to pay my bills and use them for my everyday expenses. 
I don't undestand why Venmo froze my account, they didn't give me any reasons and I already sent them my ID. That is really unacceptable for financial institution to hold my money and leave me in such a bad situation like that for no reason. 

Here is my Venmo account information : Name : XXXX XXXX Email : XXXX XXXX : XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After receiving my credit report, I am not happy to see the below items to be in inaccurate and invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After receiving my credit report, I am not happy to see the below items to be in inaccurate and invalidated.

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 2022-06-10 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: UT

Complaint narrative:
Showing late on my Equifax credit report as of XX/XX/22 please see image named Credit Report.jpg. This is incorrect.Tried starting a dispute on the Equifax website, but it isn't working. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX

Company response to consumer: Closed with explanation