vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi there, The company Im having trouble with is PayPal. I had transferred money from my PayPal account into what I believed to be my XXXX XXXX account, however, when the transfer didnt appear on my statement, I realized the account associated with my PayPal account didnt match the last XXXX digits of either my XXXX XXXX checking account nor my savings account. I immediately contacted both my bank and PayPal. XXXX XXXX has no record of an account ending in XXXX under my name. Ive asked them probably 6 or 7 times now to double and triple check. PayPal told me this XXXX account had been attached to my paypal since 2015, however this is still inconsistent with what XXXX XXXX sees on their end. Ive asked PayPal for two separate investigationsthe first one, they merely informed me that the transactions were legitimate ; this was unhelpful considering that the transactions were not the issue. My concern was with the potentially fraudulent bank account the money had been transferred to. I then spoke to a supervisor at PayPal asking them to investigate again, and to get in contact with XXXX XXXX directly. They got back to me the next day informing me that the transfers had been successful. If this is, indeed, a fraudulent account, Im sure it wouldve been transferred successfullyinto someone elses pocket. I would love to resolve thisI just dont know how. XXXX XXXX has assured me this account doesnt exist under my name and I dont feel I am being taken seriously at PayPal. For your information, the transfers in question are one for {$220.00} and the other is for {$460.00}. I sincerely hope you can help me with this issue. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any Inquiries which is found to be fraud due to identity theft. The dispute Inquiries do not belong to me. Please remove these Inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2024-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I appreciate your time to REMOVE some of the items in my file that resulted from an alleged inaccurate reporting but I still have INQUIRIES left that needed to be removed. I was a victim of inaccurate reporting and this is another request to remove the inquiries from my credit file resulting from alleged inaccurate reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this issue in my previous letter & I am including it again with a new FTC report XXXX. Also, the information you provided on these inquiries is UNKNOWN to me and was REMOVED from other bureaus and I have doubts about their accuracy. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This complaint is to notify you if you do not REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your LAST NOTICE. Please REMOVE the INQUIRIES resulting from alleged inaccurate reporting.

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 2024-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any Inquiries which is found to be fraud due to identity theft. The dispute Inquiries do not belong to me. Please remove these Inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any Inquiries which is found to be fraud due to identity theft. The dispute Inquiries do not belong to me. Please remove these Inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: TN

Complaint narrative:
Improper use of information. Did not provide authorization to share personal information with collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-05-04 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: PA

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( 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. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code

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 2024-05-04 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: PA

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( 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. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-05-04 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: TN

Complaint narrative:
Improper use of information. Did not provide authorization to share personal information with collections agencies.

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 2024-05-04 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: TN

Complaint narrative:
Improper use of information. Did not provide authorization to share personal information with collections agencies.

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 2024-05-04 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: PA

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( 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. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX TransUnion Account # : XXXX Account Type : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I appreciate your time to REMOVE some of the items in my file that resulted from an alleged inaccurate reporting but I still have INQUIRIES left that needed to be removed. I was a victim of inaccurate reporting and this is another request to remove the inquiries from my credit file resulting from alleged inaccurate reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this issue in my previous letter & I am including it again with a new FTC report XXXX. Also, the information you provided on these inquiries is UNKNOWN to me and was REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX : XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX. This complaint is to notify you if you do not REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your LAST NOTICE. Please REMOVE the INQUIRIES resulting from alleged inaccurate reporting.

Company response to consumer: Closed with explanation