vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
To whom it may concern, I submitted a payments for a treadmill and XXXX  vacuum for what I thought I was purchasing through a friend on XXXX. I was not aware at the time but have since confirmed with her that her XXXX  account was hacked and taken over by a criminal/fraudulent person. The way I paid was through PAYPAL and I have been trying to cancel and reach out to PayPal for the last 24 hours since I have evidence of the fraud, the fake address and PayPal account with email. But I am not getting any feedback? Because the transaction is pending, I am not sure why I would not be able to have this transaction cancelled since it is by a fraud and criminal act. 


The PayPal transaction is as follows : Paid You'll see " PAYPAL '' on your card statement. 
{$360.00} Transaction ID XXXX Contact info Message XXXX XXXX Note Treadmill and XXXX vacuum Details Sent to XXXX XXXX {$350.00} Fee {$15.00} Total {$360.00} I have also reached out to my credit card company, XXXX XXXX, but they indicated that PayPal would need to work with me to resolve since transaction is still pending. I have not been able to get a hold of anyone at either PayPal or XXXX  to report the fraudulent act. 

I do have a trail of the fraudulent communications and the friend that was hacked has provided detail in writing to me that she was in fact hacked and this was a criminal act upon myself and other of her friends/family. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I was served with a summons on or about XX/XX/2022 from XXXX XXXX XXXX on behalf of Cavalry SPV I , LLC whom I have no contract with, have done no business with, have no knowledge who they are, and owe no money to. Cavalry claims they have purchased my personal information without my permission from a charged-off account from XXXX XXXX My personal information was allegedly sold to Cavalry SPV I , LLC giving them ownership of the debt. Cavalry SPV I , LLC has not provided the purchase agreement or the terms and conditions of this alleged sale. I do not know how Cavalry verified the debt or obtained statements from XXXX other than the " Affidavit of Sale of Account '' provided that lists no name of debtor, account number, or amount owed of the account that was allegedly purchased, just a batch number. I owe Cavalry SPV I , LLC nothing and have never entered into a contract with them as I do not know who they are and have never heard of them. They have no signed contract showing that I owe them anything. I want them to cease and desist any contact with me. Selling my personal information has violated my consumer rights! 

The alleged amount owed that I being sued for is {$3800.00}. I will pay a creditor I do not legally owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: NY

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: MO

Complaint narrative:
In accordance with the fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681 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 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions.

15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years.

15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas 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 2022-10-10 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: MO

Complaint narrative:
In accordance with the fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681 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 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions.

15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years.

15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, Experian received my dispute letter but never responded. I sent a notarized letter through certified mail along with a copy of my drivers license and utility bill. I sent another certified letter along with supporting documents. Experian received the second letter XX/XX/XXXX but, again, never responded to my disputes.

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 2022-10-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States that 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.

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 2022-10-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States that 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Transunion credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$24.00}

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 2022-10-10 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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : {$21.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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: FL

Complaint narrative:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are corrected. 
XXXX XXXX Balance Owed : {$2100.00} - Charge-off XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor:08 XXXX XXXX ) XXXX Balance Owed : {$2100.00} XXXX XXXX  ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  ( Original Creditor:01 XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Original Creditor:01 XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$530.00} XXXX XXXX ( Original Creditor:11 XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor:08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX Balance Owed:XXXX XXXX XXXX Balance Owed : {$1800.00}

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 2022-10-10 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX ; XXXX XXXXXXXX ; XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-10 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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: GA

Complaint narrative:
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to please do their job accordingly. I feel like the Credit Bureaus are doing their best to correct my Credit File or perhaps they are not doing anything at all. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File that resulted due to identity theft. I previously sent a dispute letters on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the identity theft report I received from the FTC. Once again, these accounts and information that are being reported on my Credit File are unknown to me and needs to be deleted as soon as possible. Under the provisions of the Fair Credit Reporting Act, I am in need to remove the following items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this CPB Complaint as a formal request to Equifax Credit Bureau to remove the disputed accounts completely from my Credit File. Under the Fair Credit Reporting act, Credit Reporting must report accurate information only. Also, the disputed accounts are only reporting with Equifax Credit Bureau and are already removed from other Credit Bureaus. Once again, I need to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00}

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