vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I was forced to pay off some of my student loans while still in school full time, approximately. XXXX. I believe this was an unfair decision made by the federal student department, with no one accepting responsibility and or trying to help me resolve the issue and refund the money back. The servicer of the majority of the student loans was even changed to avoid responsibility, while further pushing the matter " under the rug '' for the sole purpose of avoidance of error. I am a mother of an autistic son and all money that I have is money needed for daily living expenses, and to have a federal agency misuse my funds in this manner is unspeakable. This was an unfair debt collection practice, and " NO XXXX '' has acknowledged this discrepancy to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
I have XXXX separate {$250.00} Visa prepaid cards through giftcards.com. I had forgotten about them, and when I logged in was disappointed to see I had lost value due to dormancy fees. This was unfortunate, but upon closer inspection I noticed XXXX separate dormancy fees of {$4.00} were charged within XXXX weeks ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on each of the XXXX cards. I asked for an explanation and received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account with the email address XXXX. I believe this limitation was a result of a misunderstanding or mistake, as I am confident that I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I have been a loyal PayPal user for [ insert duration ], and I have always strived to use the platform in full compliance with its terms of service. I make regular transactions for both personal and business purposes, and I maintain the utmost transparency in my PayPal activities. 

The permanent limitation on my account has caused significant disruption to my financial activities and has created inconvenience for both me and my business partners. I kindly request that PayPal re-investigates my case thoroughly and with an open mind. I firmly believe that upon a closer examination, it will become evident that there has been a misunderstanding or error in the initial decision to limit my account. 

I humbly request that PayPal considers reinstating my account if the investigation supports this outcome. Restoring my account 's functionality will not only alleviate the inconvenience I am currently facing but also allow me to continue using PayPal 's services, which I have come to rely on for my financial transactions. 

I understand that PayPal takes its policies and security measures seriously, and I fully support those efforts. However, I genuinely believe that this limitation was placed in error, and I am eager to cooperate with PayPal to resolve this matter promptly. 

Thank you for your prompt attention to this appeal. I am hopeful that, upon review, my account can be reinstated, and I can continue to use PayPal 's services without interruption. I am ready to provide any necessary documentation or information to support the re-evaluation of my account status. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: The Sayer Law Group, P.C.
State: ID

Complaint narrative:
In XX/XX/ a unidentified woman came to my home and handed my XXXX yr old son a piece of paper, it was a copy of the original that stated my home was going to be foreclosed. She wouldn't give any information. I XX/XX/XXXX the lawyer listed on the bottom and called his office several times with no success. 
Again in XXXX a lady brought the same paper with a new date and handed it to my elderly mother and again would not give any information. I started receiving phone calls and letters from different companies asking if I needed help I did reach out to a lawyer and then another one to see what to do and if I needed legal help. It was very difficult for the lawyer to find the attorney listed on the letter as well and he had no luck getting in touch. We found his company and sent an email, no response, I called several times and 1 time spoke to a lady that said he was out and to email him. No luck. 
In my email I had asked why I had not been sent a certified letter containing information about what was happening. A few weeks later I received a certified letter with the exact same letter and a new date of foreclosure. 
XX/XX/ I have a lady showing up at my home telling my elderly mother she bought the house we need to be out in 10 days and she will give us money to move.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: MD

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
attached is the CERTIFIED MAIL FROM XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 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. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XX/XX/XXXX Account:XX/XX/XXXX Open options Account # : XX/XX/XXXX Open options Account # XXXXXX/XX/XXXXOpen options Account # XXXX Inquiries XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: GA

Complaint narrative:
I am requesting that XXXX XXXX report new corrected information to update my credit file to Experian for account # XXXX. I have submitted a direct dispute multiple times between XX/XX/2023 and XX/XX/2023 and Experian has listed someone named XXXX XXXX from XXXX XXXX XXXX as stating the current information is accurate and it is not. This account was sold and removed from XXXX and XXXX as of XXXX but Experian is waiting for the updated information from XXXX XXXX XXXX in order to remove the XXXX XXXX account accordingly. I am attaching verification documents for the Compliance department to get the correct information reported to Experian. All XXXX report are attach as well showing the discrepancies and failure to report accurate information to Experian. There are XXXX active complaints in progress for Experian Experian with CFPB as well as XXXX as I have not been able to get this issue resolved through the company. I AM REQUESTING THAT XXXX CONTACT EXPERIAN AND REMOVE ACCOUNT AS IT HAS REMOVED IT FROM XXXX AND XXXX in the past couple weeks. All my direct disputes through Experian have been unresolved as Experian is stating and I quote " XXXX XXXX  is stating information on Experian report is accurate '' XXXX XXXX listed as contact for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 
XXXX no last names or ID # available when requested, are the supervisors I have contacted by phone at XXXX XXXX XXXX and XXXX XXXX stated the issue was escalated to the Compliance department over a week ago, still no correction to the Experian credit bureau. This is causing harm to me as I am XXXX & currently homeless living with others and my scores affect me getting housing. XXXX XXXX and Experian have knowledge of the incorrect reporting and have yet to correct their incorrect reporting. 
Desired settlement : Correction to a credit report ; Billing adjustment

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 2023-10-19 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: CA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-19 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: CA

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-19 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: TX

Complaint narrative:
The information on my credit report doesn't belong to me. I am a victim of identity theft XXXX Credit Report XXXX XXXX XXXX {$35000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX ( late payments ) XXXX Credit Report XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$35000.00} XX/XX/XXXX Transunion Credit Report XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX {$180.00} XX/XX/XXXX XXXX XXXX  XXXX {$35000.00} XX/XX/XXXX Inquiries Creditor Name Type of Business Date of inquiry XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Back to Top Public 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 2023-10-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information on my credit report doesn't belong to me. I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX {$35000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX ( late payments ) Experian Credit Report XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$35000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX {$35000.00} XX/XX/XXXX Inquiries Creditor Name Type of Business Date of inquiry XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Back to Top Public 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 2023-10-19 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: TX

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. 


Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 2023-10-19 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: TX

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. 


Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 2023-10-19 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: 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. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number :XX/XX/XXXXAccount Name : XX/XX/XXXX Account Number : XX/XX/XXXXAccount Name : XXXX XXXX Account XXXX : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/2023 I deposited {$990.00} from my checking account into my Robinhood account. I provided proof that the {$990.00} was from my personal checking account and they refuse to return my money or reactivate my account.

Company response to consumer: Closed with explanation