vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}

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 2022-08-02 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: TX

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 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC
State: CA

Complaint narrative:
I have been continually receiving text messages from Capital Link Management ( https : //capitallinkmanagement.com ) asking me to contact them about collecting someone else 's debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: PNC Bank N.A.
State: TN

Complaint narrative:
I am a victim of identity theft and Im writing in regards to account number XXXX XXXX XXXX. Ive reached out to PNC on numerous occasions to dispute three fraudulent accounts ( 2 loans and 1 credit card ) that were opened without my consent and knowledge. These loans were then funded to bank accounts that were also opened as results of identity theft and have since been closed. Each time someone calls me and then I dont hear from them again. I then receive letters stating that they cant process it do to payments being made from accounts, which were the same accounts the fraudster ( s ) opened to acquire these loans. Ive since closed accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX as well as couple XXXX banks. Ive reported the theft to the proper authorities and federal government however PNC still has yet to dissolve me of any of the balances and still attempts to collect on these fraudulent accounts violating my rights to a fair and just resolution. Im preparing to file a lawsuit siting numerous violations and an unwillingness to resolve this issue. 

If you all would like to discuss this urgent matter I can be reached at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: NJ

Complaint narrative:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: NY

Complaint narrative:
Comenty website and account access still down. It has been over 2 months since they claim they are in the midst of a system update and I literally can not make a payment. There are hundreds of people complaining on Comenity XXXX XXXX page. 

Comenity is reporting me now as 2 missed payments when it is their fault that we can't make payments and my XXXX score has gone from good to poor. 

This is making it impossible for me to lease space for my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
On July 29 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. The vehicle broke down the same hour I pulled of the lot and was diagnosed by XXXX XXXX the following day and was determined that the transmission needed to be replaced for XXXX! The warranty company came out and denied the claim saying that the dealership must have know about these pre existing transmission issues. The dealership has refused to give me my money back and has provided no assistance whatsoever!

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 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXXXXXX XXXX XXXX  notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the XXXX and XXXX credit reporting. 

I am disputing this collection because you posted this on my credit report on XXXX XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly. 

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with TransUnion and XXXX. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.

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 2022-08-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXX XXXX XXXX notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the XXXX and Experian credit reporting. 

I am disputing this collection because you posted this on my credit report on XXXX XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly.

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with XXXX and XXXX. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.

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 2022-08-02 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: MA

Complaint narrative:
Ive Been having an issue with Transunion, XXXX, and XXXX updating my personal information. I have contact them on several occasions ( XX/XX/2022 ; ( XX/XX/2022 ) via certified mail and they have had blatant disregard to what i have asked. The only name that need to be on my consumer report is XXXX XXXX and the only address that needs to be reporting is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please remove all other names, addresses, and jobs as they do not belong to me or associated with me by any means. 

Also this is inaccurate accounts reporting on my consumer report and I'm requesting they send me a debt validation letter for the following accounts XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX COLLECTION ( Original Creditor : COLLECTION ) acct # 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 2022-08-02 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the year XXXX I enrolled in mobile alerts to be notified of various types of changes to my credit card account with Bank of America. 
From XXXX XXXX XXXX XXXX XXXX XXXX was late paying my bill. However I was not notified in the various options I had selected regarding this update to my account. Bank of America made no attempt to contact me to settle this amount, which was nominal at approximately {$30.00}. Bank of America decided to mark my payment late and submit that to the credit bureaus instead of making reasonable effort to work with me to 1-notify me and 2-make accommodations to allow me to pay.

I have been a customer with B of A for ten years and have otherwise had excellent payment history and credit experience with them.

As such I find the actions taken by Bank of America highly and unnecessarily punitive, damaging, and unethical. They have engaged in unfair credit practices with an otherwise excellent account holder over the past ten years.

In addition I suffered damages when applying for a mortgage loan, as My credit score of XXXX plummeted to XXXX, disqualifying me for top tier interest rates for my loan. I had to pay {$22000.00} in points to drop my interest rate down to qualify me for my home, I also had to put 12.5 % more down than I intended to due to the restrictions with this low credit score. 

I have requested the removal of this derogatory payment on my account twice and B of A and its reps have made no effort to rectify this injustice. In addition, I find it discriminatory for their steadfast collection efforts on a {$30.00} credit card payment while they forgive hundreds of thousands of borrowers in loan default during the same time period. 


Attached - a letter I received from B of A at the start of XXXX  stating how they want to help their customers with their goals and achieve financial success. I want to reinforce this value that they extended to me at a time that they unfairly treated my credit account and reported with haste.

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 2022-08-02 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: GA

Complaint narrative:
Account # XXXX has been reporting to my credit profile for the past several months and even has payments that I never made. The account was also closed but was reporting as current and up to date payments but again I never paid on this account because I was not aware of it. According to the Fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report.15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt No one can provide me proof of who the original creditor is, but they want me to pay it. I sent certified letters back in XXXX XXXX asking for proof and yet ; they still fail to provide the information. I am feeling harassed and beaten at this point because I have tried everything. Please help me figure out who this creditor is reporting this inaccurate information so I can have it removed. The bureaus are not doing a proper investigation with this account because no one knows who the original creditor is ; not the debt collector, not myself and not the bureaus. This sounds like ground for removal. They are mailing e constantly and calling from different numbers asking me to pay a debt I know I don't owe.

Debt collectors may not harass you or anyone else, over the phone or through any other form of contact.

Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor

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 2022-08-02 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: CO

Complaint narrative:
THE CREDIT REPORTING AGENCIES ( EXPERIAN, XXXX, AND XXXX ) DID NOT ASSIST IN CORRECTING THE INCORRECT INFORMATION BEING REPORTED, EVEN AFTER, I SUBMIT PROOF OF THE INCORRECT INFORMATION BEING REPORTED. - XXXX XXXX XXXX ( XXXX XXXX XXXX ) IS REPORTING, ON BOTH OF MY CREDIT CARD ACCOUNTS, THAT I HAVE BEEN, AND STILL AM, MISSING PAYMENTS. THERE WAS AN ERROR, ON BEHALF OF THE XXXX XXXX XXXX XXXX, WHEN THE SERVICE SHOULD HAVE BEEN MAKING PAYMENTS, ON MY ACCOUNT, WHILE I AM UNEMPLOYED, BECAUSE I LOST MY JOB. THIS IS THE SERVICE, FOR WHICH, I HAVE BEEN PAYING FOR, SINCE I OPENED MY CREDIT CARD ACCOUNTS. THEY DID, EVENTUALLY, MAKE ALL OF THE MISSED PAYMENTS, BUT THEY NEED TO CORRECT THE PAST NEGATIVE REPORTING, BECAUSE THE SITUATION WAS NOT AN ERROR, ON MY PART, AND XXXX XXXX XXXX NEEDS TO REPORT, TO THE CREDIT BUREAUS, MY ACCOUNTS ARE " PAID AS AGREED '' AND CURRENT, AFTER PREMIER CREDIT PROTECTION CORRECTED THE ERROR AND MADE ALL OF THE LATE PAYMENTS, UPON MY ACCOUNTS. - EXPERIAN, XXXX, AND XXXX HAVE THE UPLOADED PROOF THAT MY ACCOUNTS ARE CURRENT, AND THERE WERE ERRORS MADE ... STILL, THE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THE REPORTING, OF MY TWO CREDIT CARD ACCOUNTS.

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 2022-08-02 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: UT

Complaint narrative:
In accordance with the Fair Debt Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: UT

Complaint narrative:
In accordance with the Fair Debt Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

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 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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: VW Credit
State: MD

Complaint narrative:
Loan number XXXX was incorrectly reported as being part of a bankruptcy when this vehicle was a total loss. I was in communication with the total loss department of Volkswagen credit on numerous occasions dealing with this incident. This vehicle was in a severe motor vehicle accident and not part of a bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I have been contacted multiple times from random phone numbers that when I call back are not the collection agency that is trying to reach me and they call multiple times throughout the day. As well as I am being contacted by a third party that does not own the debt I owe and they have been provided my personal information from the company that owns my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts mentioned in this complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation