vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
Dear PayPal, I am writing to submit a complaint and appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake and I have not violated any PayPal policy. 

I have been using my PayPal account for several years now without any issues, and I was surprised to learn that my account has been permanently limited. I have always conducted my transactions in accordance with PayPal 's policies and guidelines, and I have never engaged in any fraudulent or suspicious activities. 

I would like to request that PayPal re-investigate my case and restore my account if possible. I understand the importance of maintaining a safe and secure platform for all users, and I assure you that I have no intention of using my account for any unlawful or unethical purposes. 

I kindly request that you provide me with specific details regarding the reason for my account limitation, so that I can address any concerns or misunderstandings that may have led to this decision. Additionally, I would appreciate any assistance you can provide in resolving this matter as quickly as possible. 

Please note that the email address associated with my PayPal account is XXXX. I look forward to your prompt response and thank you in advance for your assistance. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: FL

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal Name : XXXX XXXX XXXX 2.My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of the addresses please delete these outdated addresses and update with one above. 
I demand my social security and date of birth be removed from being displayed on credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Sincerely 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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
XX/XX/XXXX {$3600.00} Source receivable management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX REFERENCE NUMBER : XXXX I found collection account on my credit report that I did not owe. 
So I contacted the company who reported for detail information but they told me they can't provide any information but total amount and it was for XXXX XXXX bill back to XXXX. 
I called XXXX XXXX to get more information but they give me the collection agency number which is I have it already. 
I never received any bill or any information for {$3600.00} invoice and I paid off my final bill for XXXX XXXX account which was {$250.00} I never paid late or skip the payment either. 

I'm searching for buying my first home and because of this issue I can't get a mortgage financing. 

Please help me out to address this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS

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 2023-05-02 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: TX

Complaint narrative:
I reviewed my credit reports and noticed that there was inaccurate account ( s ) on my credit report. 

XXXXXXXX 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 XXXXXXXX XXXX Consumer Reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with Maximum Accuracy. 

I have contacted Experian and asked them to investigate & remove inaccurate accounts from my consumer report and that they are illegally reporting, and I requested specifically the alleged original application bearing my signature, they have not been able to provide proof of such to me.

This is a violation of the Fair credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.

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 2023-05-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report is locked with XXXX credit bureau. So I don't understand how this company could run a credit search. I did not request a duplicate credit card. I received an email telling me that I was denied for a XXXX  XXXX application. I never applied for a XXXX XXXX credit card because I already have an established credit line with this company since last year. This mistake has caused a hard inquiry on my report!!! I reported this error to the credit bureau and they sent me a email telling me they found the creditor to be accurate

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 2023-05-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report is locked with XXXX credit bureau. So I don't understand how this company could run a credit search. I did not request a duplicate credit card. I received an email telling me that I was denied for a XXXX  XXXX application. I never applied for a XXXX XXXX credit card because I already have an established credit line with this company since last year. This mistake has caused a hard inquiry on my report!!! I reported this error to the credit bureau and they sent me a email telling me they found the creditor to be accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
Dear PayPal Team, I am writing to express my deep concern and frustration over the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this decision was made in error, as I have not violated any of PayPal 's policies. 

I have been a loyal and responsible PayPal user for many years, and I have always ensured that all of my transactions and activities are in compliance with your policies. Therefore, I was extremely surprised and disappointed to receive notification that my account had been permanently limited. 

I would like to request that PayPal re-investigate my case and reconsider the decision to permanently limit my account. I am confident that upon further review, you will find that there was no wrongdoing on my part and that the limitation was placed in error. 

I would like to emphasize that my account has always been used in a legal and ethical manner, and I have never engaged in any activity that would be considered a violation of PayPal 's policies. 

I understand that PayPal takes its policies very seriously, and I fully respect the need to maintain a safe and secure platform for all users. However, I believe that my account was limited without proper cause, and I would appreciate the opportunity to have my account restored if possible. 

Thank you for your time and attention to this matter. I hope that we can resolve this issue in a prompt and satisfactory manner. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$25000.00} & XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}

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 2023-05-02 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: NJ

Complaint narrative:
I disputed this inaccurate information on XX/XX/XXXX and reached out to the following companies for assistance and have not resolved this solution ( PLEASE SEE EQUIFAX DISPUTE ATTACHED ) I provided Equifax with my identification ( Drivers license ) and a copy of a police report ( PLEASE SEE ATTACHED ) that shows I am a victim of identity theft and let them know this action items where UNAUTHORIZED and not a result of my doings In my dispute I asked that an unknown address AND unknown hard inquires be removed as they are damaging my reputation and character The result of Equifaxs investigation took LESS THAN 24 HOURS and the findings were as follows : Address - REMOVED Hard Inquires - found valid PER, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

**** Equifax is in violation, as I have stated and provided documentation that these hard inquired are inaccurate! I have explained that this false reporting is unfair, and affecting the privacy of my information.

PER, 15 U.S.C 1681 e - Accuracy of Report ( B ) states. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate.

**** Equifax has not gathered or provided reasonable procedures as they completed there investigation in under TWENTY FOUR HOURS proving they DID NOT provide the maximum possible and reasonable procedures to ensure this false information reporting on my credit report is accurate. 

The following HARD INQUIRES SHOULD BE DELETED! 

XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
For almost two years now, I have been unable to receive my credit report from Equifax online through the customer portal. I have called four times within the month of XX/XX/XXXX, and have been informed that someone would reach out to me within the next 3-5 business days. However, I never received a call or email. I called again towards the end of XXXX and I was informed to send a copy of my DL, W-2 ( for proof of social ), and a utility bill to verify that I am the correct account holder. After doing so, I am still not able to access a credit report nor score through the portal. I am also not able to view an Equifax credit report on myannualcreditreport.com either. The last thing reported on myEquifax.com was dated for XX/XX/XXXX. This report even had fraudulent activity on it. I have never owned an XXXX XXXX credit card for XXXX. They XXXX have gotten my information mixed up with someone else, but I'm not sure how. Over the past 2 years, I have had a lot of fraudulent activity on my report, and it is very suspicious that this seemed to happen around the time that I have not been able to access to Equifax. Now, I access all reports through XXXX and IXXXX, and it is very suspicious as to why I can see things reported on their website, but not through Equifax itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To whom it may concern, Re : Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They have failed to VALIDATE ANY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation
State: TX

Complaint narrative:
I had disputed the problem to remove the negative remarks on my credit report, Its showing POTENTIAL NEGATIVE, in a couple weeks, I looked for the dispute to be compete and it stated payment late. I had called to explain to them that the payment was paid completely and the negative remarks need to be removed completely. This needs to be settled right away. I am paying off my debt and credit cards completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Snychrony Bank closed my Amazon Store Card without notice. I have a {$0.00} balance on the account, and my full email history of payments being scheduled and processed. I have received no notifications of any issues with payments, received no letter, have never missed a payment, and have been told my rewards balance of {$29.00} has been forfeited.

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 2023-05-02 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 — Their investigation did not fix an error on your report
Company: Absolute Resolutions Corp.
State: KY

Complaint narrative:
I sent a letter on XX/XX/2023, to Absolute Resolutions. My tracking number is XXXX. However its been more than 30 days and they have failed to send my investigation back. This is not making sense. According to the law my consumer report must be 100 % accurate and it is not. 
Account # XXXX is in violation and not reporting correctly. I want to know if they investigated this account. If they investigated this account, who did they speak to? I want to see the proof of investigation and proof that this is my account. How did they complete the investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE BANK has serious security breaches and has repeatedly allowed fraudulent withdrawals from four different checking accounts. 

In XXXX, my driver 's license was stolen and used by someone in the XXXX ( XXXX XXXX in XXXX ) to withdraw money from my checking account. That original account was closed by CHASE and a new one opened. Despite " alerts '' Chase claims it put into my account information, the new account was also robbed, so a third account was opened, and the same thing happened. The total funds fraudulently withdrawn from three different branches in the XXXX amounted to {$6000.00}. This money was eventually refunded when my claim was validated. 

HOWEVER, the story continues. In XXXX, a friend died and as co-executor of her estate, the other executor and I opened an ESTATE ACCOUNT in the dead woman 's name at Chase, to be used ONLY for distributing the funds to her beneficiaries. In XXXX, XXXX, someone obtained the number of that account and fraudulently withdrew {$1900.00} from yet another Chase branch in the XXXX, forging my signature on a withdrawal slip. This was their only ID, since I had cancelled the ATM card after the first robbery. 

It is shocking to me that someone at CHASE is providing numbers of NEW ACCOUNTS to thieves. What can your agency do about this horrifying breach of security?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
its been over 2 years since chase has placed a hold on my account and everything is changing every time i call. they tell me something different. they also told me i need to bring the maker to the bank. the deposit was never return it was never fraud nothing. i called today and its still the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief