vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXX IST. I accessed the XXXX website to purchase 2 tickets for a show in XXXXXXXX XXXX. When I can time for me to fund my 2 tickets, I attempted to use the XXXX feature because I felt it was safer due to the foot print buying digital abroad. In moments, I received a response, " OOPS, the XXXX feature was working select a different method of payment. That is when I used my Bank of America debit card with more than a sufficient balance to cover the {$320.00} purchase. 

After entering my debit card information and selecting purchase. I received a text from BOA on my cell phone. Alerting me that my debit has been used to purchase {$320.00}. Was it me. I responded yes, I made the purchase. I went back to the XXXX website to look for the approval and start travel arrangements, however the transaction was declined. 

I contact BOA, customer service on XX/XX/year>, around XXXXXXXX XXXX, and spoke to XXXX in AR. 

I asked XXXX to help me understand why I received a response in my BOA app saying my purchase for {$320.00} was approved and later declined. I made the purchase from my home computer, on a secure website where I had to be verified, and from my IP address from my internet provider. XXXX explained that the initial transaction was approved and then my account was blocked due to the XXXX activity. I explained that they were two separate transactions and my purchase should have gone through with no issues. I have more than enough funds and verified via text that I the one placing the transaction. 

XXXX offered that if I used my debit now, it would be good. I explained that I was in a queue and the time frame I had to complete my transaction was limited to 4 minutes. After BOA declined my transaction my opportunity was gone for the seats I selected. 

XXXX apologized, however did not offer to do any thing about the error they caused. Except she was adding the information to her notes.

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 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Dear LVNV Funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
PERSONAL INJURIES AND PHYSICAL DAMAGE TO PARTIES IN POSSESSION OF THE PROPERTY BY XXXX XXXX. 
the property was sold to us, and there is another sale done by the. attorneys hired by XXXX XXXX. we want to keep our home. attached purchase agreement and listing agreement by land contract owner of property listed in XXXX and settlement in XXXX granting deeds to family occupants of the last XXXX  years. XXXX deed by auctioneer working without qualifying broker ( illegal in NM real property sales ) appears by the counsel of the attorney who worked with service link, XXXX XXXX or other at XXXX and holthus acting on behalf of natiostar and hruting the family in a violent altercation with armed men resulting in emotional harm, physical property destruction ( broken windows and locks ) carrying a zombie deed not in the chain of title. all during pendncy of litigation, and perpetrators said been " sent by the bank to do this ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received letter from Capital One Auto Finance XXXX XXXX XXXX XXXX TX XXXX Address to myself and a XXXX XXXX requesting a credit check by XXXX XXXX XXXX XXXX, this company sent an application on my behalf applying for my Credit report. the Reference # XXXX. 

XXXX. Please inform Capital One Auto Finance that I am not seeking a auto loan. 
XXXX. Please inform XXXX XXXX XXXX XXXX that I an not seeking to purchase a vehicle 3. Please inform XXXX of XXXX TX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ph # XXXX XXXX XXXX Consumer Solution XXXX PA XXXX XXXX  # XXXX Thank I did not request any credit check so please continue to disregard and such request. And thank for their vigilance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
The company kept stating that I was the one who submitted the application with no proof when I asked for documentation, stating that XXXX XXXX XXXX was the allergic one that submitted and agreed to the Policy terms. They stated that theyre having technical difficulties and to call back and one or two business days. When I called back on the third day they stated that they couldnt pull up my application, but yet it still remains on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : XXXX XXXX XXXX XXXXXXXX

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: GA

Complaint narrative:
I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : XXXX XXXX XXXX Carmax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of 2024 I sent {$100.00} through PAYPAL to my debit card through their apps option " send to debit card ''. The money was taken from my Paypal account but never transferred to my bank account. I called on the XXXX after seeing this and they tried to blame their sister company who I did not go through and of course had no record of the transaction. They told me to open a case so I did. After the 3 days i was told to wait for a response I called to let them know nothing has happened. They walked me through cancelling the case so they could expedite a refund. I then realized after printing my transaction record there were two more transactions, done the same way, that they never sent XX/XX/XXXX for {$97.00} and XX/XX/XXXX for {$150.00}. I mentioned this and got hung up on. Called the next day and was told I didn't do the transfer right. I sent screen shots that I absolutely did do it right and do it through their app and played phone tag until yesterday, XX/XX/XXXX I was finally told I was owed a refund after I called demanding a supervisor because it had been weeks and I have no more time because my rent is due YESTERDAY. I was put on hold so the supervisor could see about expediting the refund and yet again hung up on. Today I was told they had to file disputes and their hands are tied on the time frame but to be patient because they assure me everything will be refunded and I will get a provision for PART of the XXXX XXXX transactions in TEN DAYS. NONE OF THIS IS OK!! That's {$450.00} of my money they are just holding onto and its already been over 2 weeks. I have 2 kids and my rent is due. My landlord does not care about Paypas time frames. Why cant they tell me any information on where they sent the money since I sent my bank statements showing it was not sent to me? Why cant they just cancel the transactions? Why only offer provisions on 2 of the charges and why do I have to wait yet another 10 days?? Usually to get a refund you reach out to the other party and I am the other party and I say do it yet they just cant? How is any of this ok considering Ive sent all documentation showing the money was taken and showing it was never received??? how am I supposed to tell my kids we're being evicted because Paypals time frames and poor guidance and customer service are somehow my problem and the reason we will be homeless?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from Portfolio Recovery XX/XX/2024. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written Communication. In this debt validation I am asking for detailed list of my history of payments on this account, the original contract with my signature agreeing to pay this creditor, proof that you have a chain of title to collect on this debt, also asking to see if there had been Insurance claims filed on this account. With out Providing proof, these accounts should be removed from XXXX, XXXX, and XXXX ; immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: L.B.Gray LLC A Debt Collection Agency
State: MI

Complaint narrative:
I XXXX, XXXX XXXX have no knowledge of this account. Please be so kind to look into the collection and resolve this matter due that I am repairing my credit. I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Late payments reported on credit report during Covid-19 pandemic. Dates range from XXXX. Several months on multiple lender accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-02 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-02 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2024-09-02 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: EQUIFAX, INC.
State: AZ

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

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account does not belong to me, and it appears to be a case of mistaken identity, fraud, or a reporting error. The presence of this incorrect information on my credit report is causing undue harm to my credit standing. 

Account Number XXXX CREDITOR : 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 2024-09-02 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:
This account does not belong to me, and it appears to be a case of mistaken identity, fraud, or a reporting error. The presence of this incorrect information on my credit report is causing undue harm to my credit standing. 

Account Number XXXX CREDITOR : 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 2024-09-02 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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