vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 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: IL

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.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute incorrect information on my Experian credit report, which I initially brought to Experian 's attention on XX/XX/XXXX. Despite the considerable time that has passed, I have not received any response from Experian regarding this matter. I am providing the details of the inaccurate information and the required corrections as follows : Incorrect Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$390.00} This account does not belong to me. Please remove it from my credit report. 

Incorrect Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit XXXX {$0.00} This account is not mine. Please remove it from my credit report. 

Incorrect Account : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} This account does not belong to me. 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
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
Again, I am a victim of identity theft and reported to Discover my 2 accounts were breached online allowing access to my information including username and password. REPLACEMENT cards sent to me are invalid. Guessing the criminal has reported lost/stolen again to receive valid credit cards. Requested also last 3-6 months of statements from both accounts to be mailed to me. I will not use online services any longer since that's how I was breached.

DISCOVER would not mail me my 2 replacement credit cards that I again reported 2 days ago, stating they could not verify my identity. Unbelievable! A criminal using MY IDENTITY is able to report lost/stolen cards and get replacement cards mailed but I can not. 
I kind of believe my numerous phone calls to Discover may have also been compromised by forwarding my calls to some unknown person posing as Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My XXXX cellphone was security breached allowing unauthorized access to ALL of my personal and financial information. Also unauthorized access to online usernames and passwords for ALL accounts. Unauthorized reporting my credit cards as lost or stolen and requesting replacement credit cards to be sent to me without my knowledge. Accounts are showing very high balances due and no transactions were made by me. I do not have any authorized users on Any of my credit card aw accounts. Apparently replacement cards mailed to have been stolen out of my mailbox as I have not requested or received any. Tried numerous times to contact Amex fraud department but it is obvious my phone calls are redirected to some unknown person that I definitely know is not Amex. I know this because I am very familiar with Amex representatives with questions or information they WILL REQUEST from me to verify my identity. I have been completely BLOCKED from my numerous phone calls attempts to reach Amex Fraud Dept. to resolve this Identity Theft issue. I even opened a po box to assure no more credit cards can be received by this criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: GA

Complaint narrative:
Sent this letter to Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Credit Account Number : Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$2600.00} Dear XXXX XXXX XXXX, I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed debt. Cease & desist of all collection activity including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain.

This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney. 

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights according to 15 USC 1681s - 2b of the Fair Credit Reporting Act. There are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. I am demanding deletion from my consumer report or else I'm going to pursue litigation.

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 2023-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I own a dropshipping store ( I buy items from my supplier and ship it directly to my customers ) and I use paypal to accept payments from my store I started accepting payments from my dropshipping store around XX/XX/XXXX and my account was fully verified. On XX/XX/2023 paypal limited my account with no explanation or reason give, they asked me to fill out an assortment of information about my account and my store. I provided verified and legitimate information and I was informed by paypal that the information was legit and my account was not suspicious i just had to fill out the information that they wanted me to provide. With no explanation paypal locked my account permanently and said that I can no longer work with paypal. Even though all the information provided was legitimate and illegible, they still locked my account for no reason. When i tried contacting them on the matter why my account was locked, they gave me no valid reason and kept dodging the question. I am writing this complaint because my account was permanently limited for no valid reason and the resolution to this matter is that paypal lift the limitations set on my account because they provided No reason why my account was locked and locked my account for no reason and with no explanation when my account was fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: ME

Complaint narrative:
Hard Inquiries on credit report XXXX and Equifax I did not authorize this company to run my credit report, this is fraudulent. 

XXXX XX/XX/XXXX institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: TX

Complaint narrative:
I am writing to report a distressing incident of identity theft that has been ongoing since XXXX, which has resulted in significant financial loss and damage to my credit. Despite my best efforts, I have been unable to successfully rectify the situation due to the relentless actions of the perpetrators, who continue to exploit my personal information for their own gain. 
Recently, I experienced another setback when my gym bag was stolen, containing my wallet and cell phone. The individual responsible for this theft has not only gained access to my personal information but has also compromised my bank account. Substantial funds were withdrawn without my authorization, leaving me in a precarious financial situation. 
Furthermore, I have discovered numerous unauthorized inquiries from XX/XX/XXXX XXXX on my credit report, indicating that the thief has been attempting to secure additional lines of credit and loans using my identity. These inquiries and accounts have severely impacted my credit score more then XXXX points and have the potential to further complicate my financial stability. 
In addition to the aforementioned incidents, the thief has exploited my personal contact information, including my cell phone number, email address, and home address. They have even gone as far as using my photo ID, which was unfortunately stored in my stolen wallet. Additionally, my wallet contained not only my own Social Security card and ID but also my XXXX XXXX XXXX daughter 's Social Security card ( XXXX XXXX XXXX ), credit cards, and bank cards. 
Given the severity of these circumstances, I have closed my compromised bank account and establish a new one, Furthermore, I have cancel my debit and credit cards. 
I kindly request your urgent assistance and thorough investigation into this matter. I have already contacted XXXX XXXX Texas law enforcement twice once when I first found out that was a victim of identity theft in XXXX see report RE : XXXX and RE : XXXX. This report serves as an official statement regarding the ongoing identity theft, fraudulent activities, compromised bank account, and fraudulent inquiries and accounts in my credit report, along with fraudulent use of my social security number, ID, home address, email address and phone number. 
I deeply appreciate your understanding, support, and expeditious attention during this distressing time. If there are any updates or further information required, please do not hesitate to reach out to me. 
Thank you for your prompt action in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
Dont know know who they are. Never had a debt with XXXX XXXX. Please verify where I signed and now they sold this account am reporting on 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 2023-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I paid off my brand new XXXX Hyundai XXXX in XX/XX/XXXX. I waited several months for a title which was never sent. I called Hyundai motor finance and they said they sent the title however this was not accurate as it was never received in the mail. I even called the post office to make sure mail was being sent correctly and XXXX verified all mail was delivered. I subsequently called Hyundai motor finance in XX/XX/XXXX and they said that the title was mailed XX/XX/XXXX ( this was a lie ). They said I would not need a lien release letter which they will also send. As of now it is XX/XX/XXXX and I still do not have a title for my paid off vehicle. XXXX is not helpful and giving me a runaround and gaslighting me making me feel as though mail is not coming when they are actually not sending anything.

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 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citibank refuses to apply XXXX benefits to my account. I am a covered borrowed according to XXXX guidelines, as I am an XXXX XXXX member of the armed forces. Application of XXXX was requested 3 times via email, each was accompanied by proof of XXXX XXXX status. Each email was addressed by Citibank via a letter that stated I was not a covered borrowed at the time the account was opened, which is an incorrect statement. Finally, I called the credit card issuer, and the only explanation I was provided was connection to a recorded line explaining again that I was not a covered borrower at the time the account was opened. I was and continue to assert that I am a covered borrowed under XXXX, both now and at the time of account opening, and Citibank refuses to recognize it.

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 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Because I am a XXXX XXXX and I filled a complaint against XXXX because my debit card was being improperly used. I am being blocked from making all use of my account I can not transfer money, I can not send money, I can not make purchases. I have also been banned from using Paypal too PAYPAL NEVER SENT AN UPDATED CARD LIKE THEY SAID EITHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: GA

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.

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 2023-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I overpaid my student loan several years ago. Navient has not returned my overpayment despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am trying to pay my rent with Venmo. My Venmo account is verified. I have 2 bank accounts linked. I am however no longer able to send funds from my primary account. It simply gives me an error that says " Payment Declined. Please try again. ". Venmo says this is due to their algorithm believing it is a fraudulent charge. They offer no support and no way for me to verify the transaction. I am a legal and legit users. Venmo is such a big part of our society these days, and this is effectively preventing me from being able to make many digital purposes. It is unacceptable that Venmo wants to be considered a legitimate financial institution, but can't resolve simple issues like that. Please help me! Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: GA

Complaint narrative:
Sent this letter to Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Credit Account Number : Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$2600.00} Dear XXXX XXXX XXXX, I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed debt. Cease & desist of all collection activity including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights according to 15 USC 1681s - 2b of the Fair Credit Reporting Act. There are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. I am demanding deletion from my consumer report or else I'm going to pursue litigation.

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