vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
ARS national services inc is still continuing to collect debts from a person that is exempt from there debt collection CFPB Case No. XXXX, XXXX they were given this notice This will serve as your legal notice under the provisions of federal and state law, the Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ), to cease and desist all communication and collections with me in regard to the debt referenced above. they are voilating the cease and desist of all communication and collections with me in regard to the all debts they will be sued under the he Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ) if they continuing to try and collect any and all debts from XXXX bank XXXX national services inc can not contact me any more for any debts I am exempt from there debt collection which they do know that I am but keeps triyng to collect on other debts that are exempt from there debt collection ARS national services inc already knows that I am exempt from debt collection why do they keep trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
My complaint is with PayPal Business Services. PP is the company we use to accept credit card payments from our customers. We have used them for years. last week on XX/XX/XXXX we transferred {$10000.00} from our money being held at Paypal to our commercial bank account. On XX/XX/XXXX Paypal did something they term as a PAYPAL REVERSAL for the {$10000.00}. Our bank has verified this was done by PayPal and PayPal, after hours of phone time admitted to having done this but they said that it might be up to 10 days to get our funds returned as they were not certain if the reversal has gone through yet! 

PayPal is a HUGE machine for this XXXX old to navigate. They do everything on their terms. I need this money. It is a healthy sum for a small business. I am grateful it did not cause us to bounce any checks, but that certainly could have been the case. 

Can you email with any info for a contacts you may have at PayPal. Or Call me at XXXX XXXX XXXX A to Z Advertising, XXXX XXXX XXXX XXXX XXXX XXXX XXXX or my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you in advance for any advice in this matter. 
My e-mail is XXXX, XXXX Highway XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX A to Z

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/2022 is when I been getting calls from debt collectors from Comenity Bank and XXXX. I finally called Comenity in XXXX 2022 to make a payment agreement to pay {$35.00} a month for 6 months. For XXXX I recently paid {$25.00} towards a past due and Im having a hard time paying both debt collection off. I been getting phone calls from different numbers and voice recordings stating that they want me to pay my debt everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: MD

Complaint narrative:
Dear XXXX There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX$600.00} XX/XX/XXXX XXXX - XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX DEPT OF EDXXXX {$380.00} XX/XX/XXXX DEPT OF EDXXXX  {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: MD

Complaint narrative:
Dear XXXX There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX DEPT OF EDXXXX  {$380.00} XX/XX/XXXX DEPT OF EDXXXXXXXX {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.

Thank you

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 2022-09-26 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666B a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-26 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: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-26 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-26 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: EQUIFAX, INC.
State: NH

Complaint narrative:
XXXX report XXXX XXXX : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan EQUIFAX Report XXXX XXXX XXXX  XX/XX/XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX report XXXX Inquiry : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan XXXX Report XXXX XXXX XXXX XXXXXX/XX/XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull experian Same thing from the XXXX report for the home loan did not authorize for a hard pull

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I leased a new XXXX XXXX vehicle for 39 months in XXXX of XXXX. I was involved in an accident in XXXX of XXXX and the vehicle was totaled. My insurance deemed it a total loss and the fair market value came much higher than remaining payments plus the residual value of the car after the payment. The financial institution is saying that the are going to keep the excess, but if the insurance pays less the remaining value, I have to pay the difference. That is unfair practice where the consumer is a the loosing side either way. The balance of the lease was {$4200.00} and residual value after lease was {$25000.00}, so total I owe on that vehicle was {$29000.00}. The insurance settlement was {$45000.00} Also, my plan was always to purchase the car at the end of the lease as the vehicle prices have gone up considerably. But now, I have to pay higher price for the new car and I loosing the benefit of getting higher price for my used car.

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 2022-09-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation