vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX Of XXXX I reported to CFPB In regards to the XXXX XXXX account ending in XXXX. XXXX and XXXX at XXXX Between XXXX and XXXX Eastern Time, XXXX XXXX XXXX is still Reporting incorrectly to all Major credit bureaus. On XXXX I spoke with a representative confirming all what I have paid and what was still owed, The representative confirmed I have made XXXX in Payments to the above referenced company not one payment has been reported to the bureau. Monthly the payments are showing CO which stands for Charge OFF. The balance on the report shows XXXX the representative told me on XXXX the balance was XXXX. The report has a total of XXXX late months " XXXX 9 months '' which means would mean I never made a single payment ever on the account. The account was settled XXXX which they stated in the response in the last complaint. so if I have made payments why would my account balance not reflect the payments made or the arranged balance. I have attached correspondence from XXXX and XXXX. All Items in Exhibit B are inaccurate, invalid, not timely and carry no documented evidence of the true and accurate facts. To the least they have not been authenticated as per my rights or requirements you are damaging my character, creditworthiness and well being by falsely reporting balance and being non complaint reporting unverifiable account information. 

Exhibit A - Corresopndence from XXXX and XXXX stating the balance owed as of XX/XX/XXXX Exhibit B- My Experian Credit Report That shoes XXXX negative payments and a incorrect balance owed. The payments the have received for the last 2 years are not reported.

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OR

Complaint narrative:
I have my own bussiness and was accepting card payments they square. The company closed my account and deactivated it. And held my money for 90 days. Funds were supposed to be released on the XXXX of XXXX but they have not been released yet. I have also tried contacting them and have not been successful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( Transworld Systems INC ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such need to stop reporting the collection to the credit Bureaus and pursuing the debt in my name. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XX/XX/2017, Bank of America closed my checking account without providing any specific reasons. After contacting the bank, I found out that it was because I was depositing a check but the sender 's account didn't have sufficient funds. I contacted the bank several times trying to resolve the issue, however I have been told that the closure is indefinite and Bank of America will not be able to open my account again. I have been unable to open a checking account with other banks either. 

This is extremely frustrating because this was not my fault, the check was written by my employer and he didn't realise there were insufficient funds. His account was not affected but mine has been closed.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
for almost 4 years now, I had a credit card with XXXX.When XXXX announced that they will be leaving the XXXX last year of XXXX I was not able to see my credit score on my Credit report. recently I called one of the bureaus XXXX, and they said XXXX has not been reporting for almost a year. also called the bank the acquired my Credit card account from XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and they told me after the first billing cycle I should be able to see my report. I am now on my 3rd Billing cycle and still do not have a score computed. This has affected me in my last 3 inquiries on my credit report, because I got decline 3 times because the institutions was not able to see my report and noted it as that i have no credit history. Also it stopped me from managing my credit because I can't see my score either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

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 2022-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I closed on a VA loan assumption with M & T Bank on XX/XX/2022. I have run into multiple issues with M & T Bank both before and after closing. Most recently : 1. The loan number provided to me prior to closing is different than the loan number now referenced on a letter dated XX/XX/XXXX and addressed to me. The loan number referenced on the letter is the same loan number as that which belonged to the former/original borrower. 

2. Because I was given the wrong loan number, my homeowners insurance declarations page references the wrong loan number in the additional interest information, potentially creating future issues with escrow payments and/or payments for insurance claim proceeds. 

3. I can not register for online account access with EITHER loan number. I receive an error message either way that the information I entered does not match the information they have on file. 

4. The aforementioned letter was mailed to the mailing address for the former/original borrower. I have never provided that address as my own mailing address. Because of that error, the letter was received by the former/original borrower first and did not get to me until XX/XX/XXXX, after that person returned it to XXXX. 

5. The aforementioned letter indicates payment in the amount of {$1400.00} is due XX/XX/2022. My closing statement confirms I paid that same amount as part of my closing costs on XX/XX/2022, and on the closing statement it is specifically indicated that the amount was for the XXXX payment.

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 2022-11-03 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: FL

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. 
1 ) XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-03 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: FL

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. 
1 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX, Account number XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
My current mortgage is serviced by Caliber Home loans I tried to login today to make a payment because i am behind and it said my loan servicing is being transferred to XXXX  and i will be notified once it has been. it directed me to the XXXX XXXX site and they dont show my mortgage. neither company will allow me to make my payment even though i am behind and trying to avoid foreclosure. the XXXX  site says until i receive the letter regarding the transfer i should continue to make payments to my old company but they wont let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

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 2022-11-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the XXXX validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these 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 explanation
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( Jefferson Capital Systems ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such need to stop reporting the collection to the credit Bureaus and pursuing the debt in my name. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
To whom this might concern, My PayPal account is now permanently limited and I could not perform send or receive funds. 
On XX/XX/2022, at XXXX XXXX, I received an email from PayPal, with the title You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. 
In the email, it mentioned that " Specifically, the sale of items that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction '' I am not a seller, I am currently a university student and never been a seller of anything in person or online. I had no idea why PayPal wrongfully flagged my account as a seller account and suspended me for such reason. 

XXXX, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. 
I have been nothing but respectful toward the company and would really appreciate it if this issue can be resolved. 
I will attach the email I received from PayPal. 

I appreciate all the help and response I could get, thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Was called today by Radius Global about a bill dating back in XX/XX/2018 from XXXX. The caller claimed I owed over {$600.00} on this bill. I asked information about the debt and they only provided me with a XXXX that I have never seen nor do business with. I started questioning about the bill such as original creditor, acct number and total amount owed ( any interest or payments made since last billing statement ), asked about age of debt and date the original creditor claims the debt became delinquent. Caller could not provide information to this. Also asked for the authority to collect the debt in my state and if they are licensed to collect and as well as the license information. Again the caller could not provide this information nor get a " supervisor '' on the phone to be able to provide this information. They are in clear violation of the Fair Debt Collection Practices Act.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received my gift card on Friday XX/XX/XXXX as a birthday gift. It was purchased by my coworkers for the amount of {$150.00}. I went to the XXXX XXXX store in XXXX XXXX to make a purchase using the card. After spending an hour on the phone i was told the there was a freeze on the card and that it would start to work after an hour of getting off the phone with customer service phone line. I attempted to use the card to pay for dinner that night and it was once again declined. On Monday XX/XX/XXXX I attempted to use the card at XXXX XXXX and it was again declined. I called customer service and was told that I would need to be issued a new card and have it mailed to me. I received the new card in the mail on Friday XX/XX/XXXX. The card was in a sealed envelope in my mailbox with no evidence of tampering. When I opened the envelope and attempted to register the card under my name online it showed that card only had {$1.00} on it. I looked up the transaction history on the card and it showed a purchase for {$140.00} at a XXXX XXXX XXXX in XXXX California on XX/XX/XXXX at XXXX. I immediately filed a called customer service and told them what happened and they informed me that they would have to file a dispute on the charge. I still have had no resolution to this issue and keep being told that they are unable to contact the dispute department because it is not within their scope.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation