vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On the first of XXXX, I phone called I C Systems about a collection notice saying that my scored had dropped XXXX some points due to a XXXX dollars collections owed to XXXX XXXX XXXX. I called made the payment and requested a copy so that I could show paid in full to the three credit agencies as of today, after calling on two more occasion reporting that I never received an email as promised to show that I paid and so that I could send to the three credit agencies to clear my record and to increase my score as I am trying to make a big purchase and I need my score to reflect the positive score that I had until. I was treated with utter disdained and disrespect from the individual who was on the phone. Even the manager treated the incident as if it was not important or did not require expediency by saying that they will send it but only I would have to wait 24 hours. After several weeks, 24 hours has come and gone and I still have not received an email nor any other form of communication from I.C. Systems to reflect payment made. This is a request for a receipt for payment made for which I have performed my part to settle the payment in full yet, they have not provided me a receipt with a simple email. All three times I called I got the same run around with them saying, " our record show that you paid and we sent an email. '' I kept telling them no email has ever been sent from them since the first of XXXX and if it was I would not be on the phone with them talking because it would not be of a need. But they were all very non-chalant in their demeanor and I have yet to get a credible receipt for what I paid to show it was paid in full as promised. Therefore, I pray your office can stop this madness from this giant collection agency who represent XXXX XXXX XXXX. I will await to see what this office can do to intervene. These are trying times and if I, who owns a XXXX XXXX XXXX newspaper, is getting treated like this I pity those who are less likely to even follow through and lose everything due to collection fraud as I.C. System is demonstrating. Maybe they are too big to care. But I do and I hope the CFPB care about the people as an intercessor on our behalf. Thank you for your attention to this matter of importance.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-26 00:00:00
Product: Credit reporting 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:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
The Venmo Service didnt clarify their policy and said my bank account can be used both of Venmo accounts. My concern is registering another Venmo but my old Venmo is banned. They are very rude to inform me and refuse to provide any service but not clarify the specific extra reason. In their first email at XXXX AM, they said they can recover XXXX of Venmo but they dont care if I am in the emergency room or if I cant respond email ASAP so they directly send me another email at XXXX AM at the same day to immediately banned me. They treated me like a criminal instead of a person. I requested further information about why I am banned, but they refused to respond the reason, instead, they copy and paste the boring and same words to let me know I will be banned forever. I dont know why the wrong information will cost like that. I need they recover and reinstate my account XXXX XXXX XXXX XXXX and recover all of my service. 

They have updated to ban me forever on XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT XXXX : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX business days. The information listed below is the result of identity theft and must be blocked : XXXX. XXXX o 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 explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX Last XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Of Birth : XXXX To Whom It May Concern, I am not liable for this debtXXXX XXXX XXXX N.A.because I do not have a contract withLVNV FUNDING LLC, They did not provide me with the original contract as I requested.LVNV FUNDING LLCcalled me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but untilLVNV FUNDING LLC, proved me with the original contract they have to remove asap from my credit reports. 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 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 This item was purchased by a Third Party Debt Collector ( LVNV FUNDING LLC ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the XXXX XXXX XXXX Collector. 
As you can see from my credit reports and highlighted issues. 
This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. 
Here is the account name : LVNV FUNDING LLCand Account number : XXXX for reference and incorrect amount also. 
How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. 
DELETE THIS IMMEDIATELY! 
Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This number called my cell phone number and my husband 's cell phone number, left voice mail messages saying they were trying to reach me about a credit card debt from 2005 from a Bank of America credit card for the amount of {$2500.00}. When I called the number back, I spoke to a male who said they were a legal 3rd party and that I was being taken to court for the judgment above in addition to {$2000.00} in legal fees and that I would be served in person in the next XXXX days. The male first gave my last XXXX digits of my social and a few minutes later stated my social security number in full - asking me to respond yes or no, I did not respond. But they do have my correct social. He said I was going to jail.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of the account # XXXX on my credit report. Despite providing clear evidence in my previous correspondence, you failed to correct the reporting errors and instead responded with generic information. This account is being reported incorrectly, showing a credit limit and past due balance on a charged-off account, which is inaccurate as charged-off accounts are closed. These errors are harming my credit and preventing me from securing credit opportunities. I am requesting that this account be deleted from all credit reports immediately. If this issue is not resolved, I am prepared to escalate the matter by filing complaints with the XXXX XXXX XXXX, the Attorney Generals office, and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccuracies on my credit report, including a collection account for an alleged debt I do not recognize and charged-off accounts that are being misreported. These errors are unfairly causing significant damage to my credit and should be corrected immediately. The collection account in question is for a debt I do not acknowledge and should not be held responsible for. There is no substantiated proof that this debt is valid or belongs to me. Similarly, the charged-off accounts are being inaccurately reported, showing incorrect details such as credit limits and past due balances, which is inconsistent with how charged-off accounts should be represented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a new Toyota XXXX XXXX from Toyota Financial on XX/XX/XXXX. I decided to purchase the XXXX from Toyota Financial in early XXXX of XXXX. I sent in all their requested documentation XXXX XXXX and payment in full with my check XXXX XXXX in the amount of {$22000.00}. XXXX confirmed that the letter was delivered on XX/XX/XXXX. I then called Toyota Financial on XX/XX/XXXX and they confirmed the received the check and would be processing it shortly or at a maximum, according to their own written policy, in XXXX business days from XX/XX/XXXX which by the calendar would have been XX/XX/XXXX. I called over and over during this 30 day window concerned about the emails, phone calls, automated system messages and messages on the Toyota Financial website portal, that I was not " paying '' on my lease. I called and asked over and over why my check was not being cashed, and why I was being told I was late on lease payments when they had payment for the car in full. I was told over and over again to not worry, these charges would be resolved as soon as they cashed my check, that I should not be receiving any message about being behind and that this would not go to collection or my credit report. I was told by Toyota Financial on XX/XX/XXXX that my check had not been applied to my account but instead to several other account holders. They were unable to tell me how long it would take to correct this issue. I was also now receiving past due notices about my lease and notice they had sent me to collections despite telling me over and over they would not. I still have XXXX non-lease payments outstanding even though they cashed my check and receive all of the funds XXXX on XX/XX/XXXX. I have been calling over and over, I do not have the car title as promised, they will not tell me when I will receive it. My XXXX XXXX has been damaged, they will not tell me when that will be fixed. I have asked XXXX  to be connected to a supervisor and they claim there isn't XXXX available so I leave a message and no one calls me back. I am exhausted after XXXX phone calls and feel no closer to having any of the issues they created resolved. What they are doing is fraud. They don't observe their own written policies, they claim they can not help, yet they send people report false non-payments to the credit bureaus. I don't know what else to do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
About two months ago, I didn't receive my credit card. I pay with apple pay. I informed boa that my credit card was stolen and the amount was XXXX. I suspect that someone has taken my credit card, which has not arrived in my mailbox until now. They immediately returned the money and sent me a new card. Just the other day, I received a letter from the boa informing me that the XXXX spending was unsuccessful and that they believe I spent the money myself and will deduct it from my account next month

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 monetary relief