vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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

Complaint narrative:
First of all I want to say that i'm not an XXXX native speaker so I'll try my best to tell the story. 

I'm having trouble with PayPal because this payment XXXX is withholding my money claiming that I'm dangerous but they don't tell me the reason why they are accusing me or what is so suspicious about my account. 

Everything started because a u.s. citizen came to XXXX to get a tattoo on his back. The service was offered and he was satisfied. He even contacted PayPal customer service in the United States to inquire about the payment he sent because I wasn't able to withdraw the money. He made it clear that everything was fine with the transactions, but in the end, he received a negative response, he could do anything about it, even though he still owed for the service he enjoyed. This man paid every session through different transactions. 

I was able to withdraw the money from the first transactions ( XXXX XXXX in total for the month of XXXX ) but after a chat that I had with a customer assistant about a complaint regarding the time that I had to wait to actually receive my money, she suggested that traveling abroad to get a tattoo was not possible. Coincidentally, after that conversation, my account was canceled, and the funds from the subsequent transactions were withheld. 

I began a process with them trying to clear up the confusion. They asked me to send my personal information such as my passport, identity card and my services account in order to release my money and activate my account. However, despite all my efforts, they continued to accuse me of not adhering to their conditions without specifying which of the numerous ones ( I checked the list and I didn't make any mistakes ) and they didnt explain why, even though Ive been a flawless client for over two years. 

I had long conversations with them, but nothing worked. In the end, I can't even access the chat again ; they say that if I want to talk to them again I have to send a letter. 

The big problem here is that I am suffering very harmful consequences, and I do not even know why. I can't use my PayPal account from now on ( which I need for my XXXX XXXX ), they'll keep my financial information and the worst part is that I have to wait 180 days to get my money back ( XXXX USD as it is still on the PayPal app ) and if the BELIEVE there was a damage ( I want to emphasize this, because that's how they have done everything until now and that makes me worry about what they will do next ) they say they can keep the money and I can do anything about it because there is no institution in XXXX that monitors their activities. 

I think it's necessary to examine the punitive measures that this company applies without any investigation or due process ontheirclients, as well as the " policies '' that prevent clients from obtaining all the information they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Negative accounts on my credit report I have no knowledge of and don't belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-04 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: SC

Complaint narrative:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-04 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: SC

Complaint narrative:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I Advised them of Law : 15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.

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 2024-10-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Company ( USAA ) called me and explained to me my debt was charged off and it was turned over to an in house third party collection agency. Under the Internal Revenue Service, a charged off debt is considered a security of indebtedness which qualifies it as income. Therefore income can not be reported on your credit report. In light of this information, kindly remove this negative mark off my credit report. 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 2024-10-04 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 noticed some errors on my credit report in violation of 15 USC 16c-2. These inaccuracies are harming my credit, and the inquiries were not approved by me.

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 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a payment of {$3700.00} from XXXX ( my bank ) to my landlord to pay my house 's rent. The following day on XX/XX/XXXX, I got a notification from XXXX saying that the amount was returned. Turns out the Bank of America recipient gave a wrong account number with dashes in it. However, {$45.00} was not returned, nor did Bank of America explain why. I shouldn't be charged {$45.00} for a failed transaction that should've been immediately caught as having wrong characters in 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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Opened a Truist checking account on XX/XX/year> using promo code XXXX that triggers a promo event to receive {$400.00} when the following conditions occur within 90 days ( i.e. by XX/XX/year> ) of account opening : ( 1 ) at least XXXX qualifying direct deposit of at least {$500.00} or more is received, ( 2 ) complete at least XXXX qualifying debit card transactions. I completed the direct deposit on XX/XX/year> in the amount of {$1000.00}. I completed the XXXX debit card transactions on XX/XX/year>. I received an email on XX/XX/year> from the Truist automated rewards systems denoting that I did not qualify to receive the {$400.00} bonus. I called into customer support on XX/XX/year> and the phone agent informed me that I didn't qualify because their system failed to recognize the XXXX debit card transactions. The phone agent offered no agreement that their system was at fault and offered no resolution whereby I could still receive my {$400.00} bonus. I would argue that my XXXX debit card transactions did qualify on the grounds that they were " recurring transactions '' which is evident in that each of the XXXX debit card transactions are from the same source and in the same amounts conducted automatically ; thereby being " recurring ''. Additionally, the details described in qualifying debit card transactions does not explicitly exclude purchases through XXXX and XXXX. The ambiguity of the debit card transactions description of the bank promo reasonably favors my interpretation.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-04 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since the latest security breach I tried twice to freeze my credit report. I got it done on the phone automated system with XXXX XXXX. But Equifax has proved very resistant to freezing my credit report. The first time I called them their system kept generating weird questions about purchases I might have made 20 years ago and didn't accept my answers. I tried again tonight, found the automated system very messed up. Finally it transferred me to an agent, " XXXX, '' who asked my name, social, address, phone #, dob, & email. Then he said I have to upload my driver 's license and a selfie. I said no thanks. The number I called for Equifax is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$740.00} XXXX XXXX  bal. {$630.00}

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 2024-10-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Subject : Complaint Against Consolidation Plus Dear CFPB, I am writing to formally file a complaint against a company named Consolidation Plus regarding my troubling experience with their services. 

In 2017 approximately, I hired Consolidation Plus with the promise that, in exchange for a payment of {$35000.00}, they would pay off my debts in full and that I would only need to make a single payment. 

However, after making this payment, I sought business funding and was informed by the underwriter that Consolidation Plus had not settled any of my debts. When I reached out to them, I received false assurances that my debts had been paid off, but they were unable to provide any validation or receipts to support this claim. 

Despite my numerous complaints, I was promised a refund of my {$35000.00}. Unfortunately, this refund never materialized as Consolidation Plus faced multiple lawsuits alleging deceptive practices and failure to deliver on their promises. Ultimately, the company closed down following these legal challenges. My debts were sold to another company, which is now reporting {$50000.00} as a charge-off on my credit report. I was never given the opportunity to dispute this debt. 

The new company is now demanding an additional {$50000.00} on top of the {$35000.00} I already paid for the debts that were allegedly settled. 

I am requesting your assistance in applying all relevant consumer laws to dispute this debt and hold Consolidation Plus accountable for theft by deception. The applicable laws include : Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using deceptive or unfair practices, including failing to provide validation of a debt. 

Truth in Lending Act ( TILA ) : Requires clear disclosure of credit terms and costs, which Consolidation Plus failed to provide.

Credit Repair Organizations Act ( CROA ) : Regulates the operation of credit repair organizations to ensure they provide honest and transparent services.

Consumer Financial Protection Act : Protects consumers from unfair, deceptive, or abusive acts in financial services.

Consolidation Plus has faced numerous legal issues in the past, with many consumers reporting negative experiences related to deceptive practices. Some lawsuits have claimed that the company failed to fulfill its promises regarding debt relief and settlement services.

I seek proof of validation of this debt and request that it be removed from my credit report, as I never received the services I was promised. Additionally, I would appreciate any information regarding lawsuits against Consolidation Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 
Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Personal Information :

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 2024-10-04 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:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute the existence of a loan listed on my credit report. I do not recall taking out this loan and have not authorized any such transaction.

I request that you investigate this matter, as it may be a case of identity theft or an error. Please provide me with any documentation related to this loan, including the original application and any account details.

I appreciate your prompt attention to this issue and look forward to your response.

Company response to consumer: Closed with explanation