vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Someone managed to load money or pay for purchases into their Paypal account using my XXXX checking account details. 

The following are the transactions showing in my Chase Checking XXXX XXXX, XXXX XXXX XXXX PAYPAL XXXX WEB ID : XXXX ACH debit - {$180.00} XXXX XXXX, XXXX PAYPAL TRANSFER ADD TO BALANCE WEB ID : PAYPALXXXX XXXXCH debit - {$22.00} XXXX XXXX, XXXX PAYPAL INST XFER WEB ID : PAYPALXXXX  ACH debit - {$330.00} XX/XX/XXXX PAYPAL TRANSFER ADD TO BALANCE WEB ID : PAYPALXXXX ACH debit - {$23.00} XX/XX/XXXX PAYPAL INST XFER WEB ID : PAYPALXXXX  ACH debit - {$15.00} XX/XX/XXXX PAYPAXXXX XXXX XXXX WEB ID : PAYPALXXXX  ACH debit - {$3.00} XXXX seems to have an ( internal? - not legally required? ) policy of not covering fraud from a vendor once earlier fraudulent transactions go unreported for 60 days. I did not notice the XXXX $ and XXXX $ in Dec/Feb and only realized the theft once I saw he XXXX $ on XXXX XXXX. They only refunded me XXXX XXXX 

I paid XXXX $ to put a block on Paypal and yet 2 more transactions went through. So far it looks like they will refund those to me. 

Paypal was only able to locate the very last transaction from XXXX XXXX and refuses to investigate the other 5. I don't understand how the payments can be initiated - either as deposits or purchases via ACH debit from my account, ON THEIR SYSTEM, but they have no record of it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
From XXXX to XX/XX/2018 the lender, in 19 telephone calls, lied 18 times. They told the truth in call 19. They were pretending to entertain the possibility of loan modification. This was false, they admitted on the 19th call. I then sold the house in XXXX. They were told this and refused to cooperate with a payoff amount for four months. then they foreclosed on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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

Complaint narrative:
I received an email from PayPal stating that I can not use my account anymore on XX/XX/2022 because of " risk in doing business with me '' even though I am sure that I did not violate any of the agreements and rules in using Paypal after revising their conditions on their website, and so I assume this is a mistake. I tried reaching customer service but unfortunately they were not helpful at all. This is affecting me significantly since I have been using Paypal frequently and my money is stored in there. I am placing this complaint in hopes of getting my account back restored and allowing me to access it. My email linked to my Paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: OH

Complaint narrative:
I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX. I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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: NY

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. 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 Inquiries 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 2022-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I purchased a XXXX through what I thought was the XXXX website. The site is set up just like XXXX However, it was a fraud. I was emailed to send the payment through XXXX, which I did. After calling XXXX, I confirmed that it was indeed a scam. I reached out to Wells Fargo who I bank with. They stated that they would try and get my money back. They sent me a letter stating that they closed the case but would try and stay in contact with XXXX to get my refund. I have yet to receive my money. This was in XXXX of this year. I have copies of all communication with the company that was posing as XXXX. The website was 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 2022-04-20 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I have contacted XXXX regarding fraudulent inquiries on my report. I sent a certified letter requesting removal of these items. XXXX has confirmed receipt but told me I need to file a police report and refused to assist with the removal of the inquiries. My letter to them was sent to them 6 or more months ago and I would like this addressed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am building a home and needed my credit ran for a pre-approval. They are saying Experian is the only one not showing a credit score. What is going on?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I'm an Federally Protected CONSUMER! YALL ARE IN VIOLATOIN OF MY RIGHTS You are XXXX XXXX on NOTICE Pending Further Counsel! I've Sent several Validation letters an Verification letters. World Acceptance Corporation are in violation of Federal Laws as the Follows Per FDCPA and Privacy Violations also Fair and Accurate reporting. I DO NOT OWE THE ALLEGED DEBT!!!! The Debt Collection is also outside of the Statute for Collecting on the Debt and has been Charged off " XX/XX/2018 '' Acct # XXXX and they keep Reupdating the balance which is Fraudulent and very Deceptive See Attachments for Dates. As far as I know I didn't give them permission to communicate with Third Parties under 15 USC 1692 ( a ) ( b ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I am really offended that they want Settlement arrangement 's after Stating they Written off the debt that unfair Provide me Original Copies of Agreement 's. under 15 U.S. Code 1692e ( 10 ) - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. what that means is Saying I owe Something I don't per HJR- 192 this is an Obligation of the United States ! no one has been able to pay a Debt. I'm demanding the Removal of these duplicate Accounts and any information there of, I DONT OWE WORLD ACCEPTANCE NOR DO I OWE ANY DEBT DELETE THE FOLLOWING ACCOUNTS SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit. 

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

XXXX Transunion 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
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit. 

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

XXXX XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX. I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account : XXXX XXXX with account number XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX account : XXXX XXXX with account number XXXX has violated my rights. 

XXXX USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit bureaus are taking longer than they are required to investigate disputes. According to the FCRA the bureaus have 30 days to investigate disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit bureaus are taking longer than they are required to investigate disputes. According to the FCRA the bureaus have 30 days to investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: 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. 

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 ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX , ( Original Creditor : XXXX XXXX XXXX, ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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. 

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 ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX -XXXX XXXX 2017 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 an 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 non-monetary relief
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX -XXXX XXXX  2017 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 an 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 non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2
State: MO

Complaint narrative:
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P

Company response to consumer: Closed with explanation