vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
This account does not belong to me! I already ceased this company! stop reporting on my consumer report you do not have my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I canceled my credit card, after that I have a refund that XXXX  made me to receive on this canceled card and a dispute that the bank owes me a deposit 9 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.My first complaint after 3 months they sent me a letter saying they would deposit the due amount in my account but they never did that. Today I went to the bank, I was completely ignored and they don't find a solution for the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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:
Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

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 2023-06-06 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:
Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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:
Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

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 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I spoke with a account specialist in XXXX prior to my account charging off. Was in works with getting a settlement. I asked the rep/account manager from CitiBank that handles settlements " when does my account charge off '' and if it was a early charge off. The rep stated they didn't know and that the account wasn't charging off yet/after that bill cycle. They didn't tell me that XX/XX/XXXX was the last due date before charge off after I specifically asked when does it charge off. I received no letters via mail explaining they were charging it off until I received one notification that a debt agency was handling/recovery team. After explaining my situation, I offered a lump sum that was denied and the call ended with no arrangement. I was expecting a settlement letter via mail for the account/another correspondence that would've explained the time frame I had to respond without being taken to court but nothing was sent ( nor any phone calls ) until XX/XX/XXXX when I received a certified letter dated XX/XX/XXXX. I tried calling this law office that CitiBank employed for this matter and got hung up on 3 times and then sent to someone's voicemail. I left a voicemail and emailed the email on the letter. In the most professional way to explain, CitiBank failed to inform me/provide me with the information needed so that I could settle this debt within their guidelines. If known when it was going to charge off, I could've tried to make further arrangements. This would be a violation of FDCPA laws as a deceptive practice/misinformation

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 2023-06-06 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: NV

Complaint narrative:
For the past 3 months I have been actively disputing accounts that are not mine and were illegally obtained. I do not have a written contract with any of the 3 accounts that were being disputed. I further more did not give consent for the bureaus to report any information against my knowledge. I called them and they told me they refused to take anything off of my report even when they acknowledged it was done fraudulently. They also stated that they don't even do the investigations themselves. They just send a letter to the company to ask if the information is true and that's it.. They refuse to delete anything I have asked them too. Including not sending me how they verified or did any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received a collection alert from a credit monitoring company in XX/XX/2023 for XXXX XXXX XXXX ( who I have never purchased anything from ), or a collector that they have hired, for an electric bill in XXXX XXXXXXXX XXXX I have never lived in XXXX XXXX nor to my knowledge have I ever been there. I called the collection company, Convergent Outsourcing, in an attempt to resolve, the problem and was told to submit a dispute with the credit bureaus. After multiple disputes and some success the collection persists. I never received any kind of phone call or other kind of verification from XXXX XXXX that I was activating an account nor did I receive any notification from Convergent Outsourcing. I do not understand why the burden of proof lies upon me to say this is not my account.

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 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I first contacted Portfolio Recovery in XXXX, XXXX to dispute this account because I never received notice of this account being placed with them, which is a violation of the FDCPA, and furnishing this information to ANY credit reporting agency. Portfolio Recovery and I, the consumer in this transaction, never had any business dealings or contract. XXXX XXXX, whom is said to be the original creditor, stated in their terms and conditions, that they would not sell my information to any third parties, and Portfolio Recovery is a third party that has violated my federally protected rights. 

I requested documentary evidence as it relates to IRS publication XXXX, that I owe Portfolio Recovery this debt. I also requested proof of authorization that this company is able to collect on this debt. None of the requested information was supplied by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " not gon na happen '' The original debt was actually paid off and they sold nothing but the interest of that debt. This turns into predatorial and then also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over 5k which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX XXXX XXXX XXXX XXXX ( AKA XXXX, XXXX XXXXXXXX XXXX ) all amounts due, on time, since the inception of my contract with them approximately 10 years ago. They consistently make accounting errors, send harassing inaccurate bills, and are unresponsive to concerns. It is starting to appear as though they are using these tactics to intimidate, defraud, and extort their customers. Its been years of correcting their inaccuracies and every time, every contact Im assured my account is in good standing and up to date. Come to find out today theyve reported my account as delinquent. It is not. Not only have I attached proof, I called and verified it is and has been in good standing ( call made today XXXX ) and received a verification email. The representative also sent me experians contact information for in her words when these things happen, and since she couldn't help me from her end. So they can apparently fraudulently report it but not correct it. 

I have attached a pdf containing proof of payment monthly over the past few years. In the pdf there are cashed checks, banking transactions, credit card transactions, emails from company representatives, and screen shots of my online account with XXXX XXXX XXXX. Youll notice theyve changed company names multiple times first they were XXXX, then XXXX XXXX XXXX, then XXXX XXXX XXXX. All the same solar company and all the same address. There may be a company name or 2 Im forgetting. This company is incompetent, they consistently mess up billing, Ive spent countless hours on the phone with them making sure theyve recorded payments Ive sent. I called today and verified that my account is not nor has it ever been delinquent. They made a frivolous and baseless claim against 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
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I paid a debt to Commenity Capital XXXX for {$2300.00}. They were supposed to settle the debt that I owed, however rhey never reported it to the credit bureau, accepted my payment and carried on. It's been a year and it's still on my credit report. After contacting them, they told me I owed them still and stonewalled me saying I never paid. I have bank statements proving I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: IL

Complaint narrative:
Dear TransUnion Credit Bureau, I have contacted you several several times regarding the fraudulent hard inquiries on my credit report and sent you all the documents including FTC report to you. But didn't get any results, so I have to submit a complaint on you, since I couldn't get any assistance from you. These hard inquiries are fraudulent, I never authorized them Please delete the following hard inquiries from my credit fil : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Toyota Credit De Puerto Rico Corp.
State: TX

Complaint narrative:
This debt collector used unfair, abusive, and misleading tactics, all of which are against the FDCPA. They provided this account, on which neither I nor we could reach agreement. Two parties sign a formal contract, and I was not a party to any of the signings. Additionally, they didn't adhere to the correct five-step validation process, which makes their actions unfair. I am entitled to {$1000.00} under the Fair Debt Collection Practices Act ( FDCPA ), and it is obvious that my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I created my PayPal account two weeks ago hoping that I can use it as payment method for my clients whom I give my service as their child 's tutor or as a writer for their formal requirements in school such as essays and editorials. I usually pay by them once I'm done doing my task and approved by them. 

I received my payment once a week it's not big it was only range from XXXX $ - XXXX $ so I'm confused why PayPal accused me of sending " illegal files '' which I'm not doing it. I only do formal essay, editorial and tutoring. 

And now my newly created account was permanently limited because of accusations that I didn't even do once. I can't even send or widthraw my hard earn money from Paypal. 

That little money I earn from writings and tutoring helps me a lot in my daily bills and it's my only source of income as of now. Right now I didn't know what to do cus it affects me a lot, PayPal accusations without any proof makes my source of income end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-06 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: LEXISNEXIS
State: NC

Complaint narrative:
I sent in disputes for information that they are reporting and verifying as accurate to the credit bureaus that is in fact not. With the submission of my disputes I included a copy of my drivers license, social security card, passport and a current utility bill. Their response was that they are unable to authenticate my identity. This is clearly a stall tactic and is highly illegal. I am attaching the letter and documents I sent to XXXX XXXX pertaining to my dispute as well as their response. You will find that they have everything they need to authenticate me and direct information relating to my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have reported fraud in my bank account all the way up to the FBI. My VA XXXX  is my only income and I have told the bank that. My accounts are frozen and USAA will not release my benefits. I have spoken to many. The CFBP states this is a protected class payment and can't be withheld. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card refuses to let me use the {$1900.00} credit I received due to a fraud dispute being decided in my favor. I tried to do a car advance twice for the credited amount and it went through. Then it was reversed and taken out of my {$11000.00} credit limit. They refused to reverse it back forcing me to pay the advance off. I paid {$1800.00} on XXXX. Because they wouldnt credit me back the way they should have. Now I still haven't been able to access or use the {$1900.00} credit I was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX please update all payment, all payment was made on time XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : ALSO KNOWN AS : 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