vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 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: TX

Complaint narrative:
Please help me understand why the bureaus are still reporting accounts that are inaccurate, unproven, unverified, and definitely NON-COMPLIANT with the FCRA/FDCPA laws. It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that these accounts they keep posting in my report are verified and true. I have been continuously denied getting loans because of this. This should have been resolved months ago but they don't seem to care at all.

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 2023-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
This letter was sent to Cash app 2 times But got No Respose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
COMENITYBANK/KAY XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with XXXX  symptoms while battling other illnesses related to my XXXX  service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the XXXX  of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and XXXX. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 usc 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 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 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Notice to agent is noticed to principle. Notice to principle is noticed to agent. this is to inform the CFPB of a violation that XXXX  XXXX XXXX  has done to the consumer XXXX  XXXX XXXX  has sold my information to a company by the name of resurgent receivable LLC the company has been notified to stop sending notification by text, and by e-mail. the company continues sending me text messages when the consumer has addressed this issue with XXXX XXXX XXXX in the past XXXX XXXX XXXXXXXX has violated by selling my information to this company the description PDF is on the CFPB portal end the explanation are written in red.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: GA

Complaint narrative:
Dear Equifax, Please remove the following accounts from my credit profile as I am not responsible for the accounts, I am only an authorized user of these accounts and I am not responsible for these debts. I have disputed these accounts on multiple other occasions, and you keep saying they belong to me and will not remove them. Then by you refusing to remove these accounts from my credit report you are ruining my credit score and not reflecting an accurate representation of my true credit worthiness and are in violation of the Fair Credit Reporting Act, section XXXX XXXXProcedure incase of disputed accuracy. Your agency continue to fraudulently assert that this is not an authorized user account, that it is in fact mine, and that the information is factual, which is inaccurate, even though the other major credit reporting agencies have already deleted both of the accounts mentioned in my first notice of dispute. It is now clear that your organization violated the Fair Credit Reporting Act 's regulations by failing to undertake a proper investigation after being notified of this issue on multiple occasions. I demand that you delete both of the accounts at once ; otherwise, I will be forced to escalate this issue to the federal level. The following accounts in dispute are listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: TX

Complaint narrative:
This is in reference to complaint XXXX. I stated that I do not recall opening an account with this creditor and sent you proof that I was a victim of identity theft from the XXXX breach and yet this account is still reporting. You have replied that the account was updated when I requested for it to be removed. I have asked for a contract bearing my signature along with a copy of my id and ssc, but nothing has been sent so how are you verifying this account as accurate. I was involved in XXXX data breach in 2017 and I do believe my information was compromised. You have failed to verify this account and continued reporting an account that may have been opened due to fraudulent activity. If this account is not removed in 1 days, I will move forward with suing your company. I am well aware that each FCRA violation is {$1000.00}. Immediately remove account 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 2023-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have a loan on my XXXX XXXX with Toyota Financial. I made an extra advance payment of {$3000.00}, but Toyota FRAUDULENTY took {$770.00} of that payment as interest. I called them and they agreed to apply the entire {$3000.00} towards principal. However, instead of doing that, they simply reversed my payment and reverted the amount of my loan to what it was BEFORE the {$3000.00} payment. I called 4x and STILL NOTHING. THEY ARE INCOMPETENT XXXX XXXX XXXX. THEY STOLE {$3000.00} FROM ME! 

Please help as calls and online messages are completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV funding or XXXX XXXX XXXX XXXX can't be verifiedwhich company owned this debt. When disputed with LVNV funding they told me to reach out to XXXX & XXXX .This company took {$280.00} out my account. Balanced never change. When I dispute to verify the debt I was threaten a second time with continuing garnishment letters. That took {$80.00} dollars out my account to stop garnishment. I disputed to see documents of original creditors but none was provided. I feel like my fair credit rights are being violated and retaliated due to my dispute to verify original documents from original creditor with original contract and signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT XX/XX/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 2023-05-28 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:
XXXX XXXX XXXX XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT XX/XX/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 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
My interest for XXXX was XXXX I was still on a hardship program and I was taken off in XXXX. After that my next bill for may was XXXX dollars minimum payment with the interest still the same when I was taken off the hardship. Now I know interest rates went up but tell me why for XXXX my interest is XXXX Why would it jump that high that doesnt even make any kind of sense. Now they tell me after the hardship program that they put interest from that then put XXXX dollars for something else honestly it does not make sense and confusing. To me it just looks like Im being cheated. Ive spoke to them so many times and they give me the same XXXX answers Ive went to news stations lawyers and still nothing works. I go to capital one they dont help you at all they just never answer you back or they have another excuse. XXXX so sick of them I hope they all go to XXXX because theyre sure making my life a living XXXX try to anyway. This time if they get someone to supposedly help me dont waste my time actually help me or dont even bother contacting me! I want answers I want direct answers! I want transparency about this bill. I dont want to hear any more lies!!!!!! oooh and another thing they stated I was late with the payments thats a lie I was on the hardship program how can you say I was late and Im on a plan?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account Rent debt Collection, has violated my rights.

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC1666B : A creditor may not treat a payment on a credit card, credit report or credit account under a open end consumer credit as a late for any purpose. 

I am writing in regards to the rent debt reference to inform you that Im disputing this debt. Please verify the debt as required by the Fair debt Collection Practices act. 
I am disputing this debt because I do mot owned it, I never received any letter or any advice pf this collection. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already report it, please deleted this from my creditor report because this is not mine. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Reporting act.

Finally please note that I do not wish yo received further telephone calls or letters concerning this debt that I do not owe to the client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C 1692 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: MA

Complaint narrative:
These inquiries are too old to be on the report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
was at the bank looking to buy a new card when i was made notice of XXXX accounts i never applied for on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiry that I did not authorize and made by the following companies investigate the following information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please be advised I dont want to receive any stall tactic computerized response in reply to my dispute letters by bureaus.

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 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: VA

Complaint narrative:
I got a bill from Comenity about a {$3.00} charge on a card I no longer have and have not used in years. I spoke to someone months ago that said they would cancel the card me close the account and I was not responsible. Then I got another bill. I figured it took a month to resolve. But I got another bill with interest and penalties. I wrote a letter to Comenity. They sent me a response letter dated XXXX XXXX, that they were researching the issue and to please allow them 90 days to resolve the issue. I had no issue with that until, now they have me as delinquent over 60 days at every credit bureau and that I now owe them {$60.00} for that {$3.00} disputed fraudulent transaction. It has caused my credit score to plummet. I have had no delinquent accounts in many years and this has single handedly caused irreparable damage to my credit. This needs to be resolved immediately and removed from my credit. I dont have this card. I havent used this card. I told hem immediately and they keep dragging their feet and charging me extra fees while damaging my good credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
So this was supposed to be removed after being told it was, showing police report and approved for removing from own site, but still has not I have so many results saying that it will and have even called and been told that it is, but obviously not, debt for XXXX $ this has interfere with personal life and been denied, because of this, Can I sue?

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 2023-05-28 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: TX

Complaint narrative:
XXXX XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.

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 2023-05-28 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: TX

Complaint narrative:
XXXX XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is Equifax reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.

Company response to consumer: Closed with non-monetary relief